Are you interested in the sale in life annuity? Relatively confidential in France – around 5,000 transactions per year according to Viagimmo -, this mechanism has everything of the right plan: the hope of an acquisition at price for the detection (buyer) and especially an additional source of income for the Crédirentier (assignment). Because the seller can both obtain a tidy sum of money paid during the purchase – the bouquet -, then a regular rentwhile continuing to occupy your accommodation. “The bouquet is absolutely not compulsoryunderlines Brigitte Courgeon, founder of Célestina Formation. The annuity is on the other hand: talking about lifeless life is an abuse of language ”immediately specifies the expert who trains many heritage and real estate professionals.
To not spoil anything on the seller side, the bouquet is completely exempt in many situations, for example if the property sold is its main residence. The annuity is only partly subject to income tax. “A Defection according to the age of the seller is planned. It is maximum of 70% from 70 years, so only 30% of the pension is imposed ”underlines Brigitte Courgeon. Suffice to say that the fruits of the transaction are not almost not taxed. A boon? Not always, she alerts, because “These 30% tax income can make you taxable”. And the consequences can be more than unfortunate: “I have the example of a person who wanted to have fun, travel, enjoy his retirement. But with the imprisonment of taxation and the loss of certain aids with the increase in its reference tax income, it has less than before the sale to live … “laments Brigitte Courgeon.
Have your life annuities assess as accuratelywoman
Also, the professional recalls the two priorities that must be yours if you want to sell in life. Obviously, to estimate your property to start: “The most important figure is the notice of value, which fixes the value of the accommodation. It must be the fairest compared to the market. ” Then, depending on your needs – cash to repay your debts, donate children or grandchildren, etc. -, Determine the amount of the bouquetthe balance being transformed into a life annuity.
And it is here that the duty of advice of the professional who manages the operation is essential: “He must make an in -depth discovery of the financial and fiscal situation of the retiree. Is it a good advice to make him imposed and make him lose certain social assistance?Tance Brigitte Courgeon. If the latter is on the edge of a marginal tax slot, the bouquet must be increased and decrease the annuities. ” With this in mind, support for a professional Sensitized to these questions is essential. The expert thus recommends specialized brands, such as Renée Costes Viager or Viagimmo, to help you.
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