The “new” real estate investment vein: buy at half price, without credit or tenant

Buy a property at half price, without credit, to make rental investment without a tenant. It’s possible! Here’s how.

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Rental investment, never again, for Martial! Finally managed to obtain the departure of his tenant after two years of unpaid rents, this quarantine sold his studio. But he always believes hard as a iron with the relevance of theinvestment in stone, in particular to complete a retirement which will be much lower than his current salary. His banking advisor blows the idea of ​​life investment. Instantly, Martial reviews the deconfits faces of Rosy Varte and Michel Galabru, in the film Le Viger, every Christmas, seeing Michel Serrault, who sold their pretty house in life to them, be worn as a charm.

“This film did not help popularize the life annuity”smiles Stanley Nahon, co-leader of Renée Costes, during a press conference this Wednesday, June 11. Jeanne Calment either, the notary who bought his house in a life annuity did not suspect thatShe would die … 32 years later. “There was a chance in 6 billion to come across the dean of humanity!”shade Stanley Nahon.

This still taboo real estate sale can bring you big to retirement

The investor in life annuity, an individual in 93% of cases

Apart from these somewhat extreme cases, the investment in life is present many advantages, he assures. Starting with a real estate purchase at a very decorated price. “In the case of an occupied life annuity, if the good is worth 100, I buy it 50, since the seller keeps usufruct”explains Stanley Nahon. And these 50, you don’t pay them all at once. Upon signing the sale, out of this total of 50, you pay 20 to the buyer. This is the bunchvalued at 76,252 euros on average by Renée Costes. A sum which, for a CSP+investor, does not require contract a mortgage.

The investor – an individual in 93% of cases – then pays the balance of 30 to the seller in the form of a monthly annuity for fifteen years, that is, more or less his life expectancy. On the death of the seller, the investor recovers all of the property, which is then worth 150 thanks to the Remembering of property and increased value over the years.

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Almost 7% profitability for an investment in life annuity

Like Martial, a number of investors who are soliciting Costes reee are quadras scalded by classic rental investment. “Thanks to the life annuity, the investor buys a property at half of his value, which compensates for the rents he does not touch, he does not need to use credit and, above all, he makes therental investment without tenant ! Which shelters him with rent unpaids, rental vacancy and property taxes ”summarizes Stanley Nahon.

Arguments that start to hit the bull’s eye while the centennial market of the life annuity only counts only 6,000 operations per yearagainst nearly 800,000 transactions on the old housing market. After the finance law for 2025 has sweet one of the tax advantages of non -professional furnished rental, “Many investors have contacted us to find out about the life annuity”indicates Stanley Nahon. The quadrupling of mortgage rates, in 2022 and 2023, also led a number of rental investors to consider the life annuity, completes Igal Natan, the other co-directing of Renée Costes. To the point “That there are now even more investors than sellers interested in the life annuity”he assures, supporting figures: each year, Renées Costes is contacted by 12,000 retirees and by 60,000 investors. It must be said that the average annual profitability of a life investment amounts to almost 7%, according to Stanley Nahon. In the case of the notary of Jeanne Calment, on the other hand, “It was 2.5%”he slips.