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

The prospect of a 40% drop in your retirement revenues logically panics you. A real estate sales technique guarantees a monthly annuity. But it remains subject to many a priori.

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Nicole, who has 75 spring, has just sells her house in a couple of quadras. When signing the sale, at the notary, the buyers paid Nicole a sum of money corresponding to half the value of this house of 200,000 euros, or 100,000 euros, the retiree continuing to live in the property. Besides bunchcompletely exempt from tax because it is Nicole’s main residence, buyers pay him a annuity of the order of 700 euros, for fifteen years, a duration which corresponds to the life expectancy of this former designer. The icing on the cake, the life annuity benefits from a 70%income tax allowance, Nicole being over 70 years old.

A significant additional income for this grandmother, whose retirement does not exceed 2,000 euros per month. “”Retirement, your income drops 40% on average»»warns Stanley Nahon, co-directing of Renée Costes. It is also to meet everyday expenses, starting with “Filling the shopping cart”that 31% of life annuity sellers opt for this device, says Igal Natan, also co-directing Renée Costes. Another advantage of this life annuity sale, the bouquet of 100,000 euros will allow Nicole to give money to her children to finance the purchase of their own dwellings. Finally, the property tax And major works are now incumbent on buyers. “Last but not least”, Nicole continues to live in her adored house.

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The majority of annuity sellers are women

Without knowing it, Nicole corresponds to line for the robot portrait of the sellers in life sketched by the company Renée Costes, during a press conference this Wednesday, June 11. They are aged 74 years on average And the majority (39%) of them are single women, who need all the more to complete their retirement than their remuneration during their professional life was generally lower than that of men, underlines Igal Natan. The average value of the goods sold in life is 267,070 euros, the average bouquet at 76,252 euros, and the average pension, to 711 euros per month.

And, “Unlike the collective imagination that life sellers have no children, since there is no Good real estate to transmit,, 63% of them are parents»»adds Stanley Nahon. A less astonishing proportion when you know that, like Nicole, a fifth of life sellers have the main objective of having liquidity to make donations to their loved ones.

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The life annuity, a market still very small

Despite the apparently attractive nature of the life annuity, it only has 80,000 retirees currently in France, while it has existed for a hundred years and the country has 19 million people over the age of 60! Either a penetration rate of 0.5%,, “Extremely weak”recognizes Stanley Nahon. What he explains by persistence “A priori on the life annuity, whose inheritance deprivation real estate”. A drawback that Nicole compensated using the life annuity to give money to her children during his lifetime, in order to allow them to build up a real estate heritage.