Life annuity House
Cahors

Occupied Life Annuity – Renovated Single-Storey House 113 m² in Cahors

Occupied Life Annuity – Renovated Single-Storey House 113 m² in Cahors – Lump Sum €100,000 Net to Seller + Monthly Annuity €184

Location and Setting
Located in Cahors, in the sought-after Terre Rouge district, this house enjoys a prime location with all amenities within walking distance. Built in 1973 and fully renovated in 2012, it offers modern comfort and ideal convenience for everyday living.

Property Description

Bright single-storey home of 113 m² on a 457 m² plot.

Living space: Spacious through lounge of 55 m² (20 m² + 25 m² + 10 m² open kitchen) with high-end fitted kitchen

Bedrooms: 2 comfortable bedrooms + 1 master suite

Bathrooms: 2 in total

WC: 2 in total, separate

Comfort: Reversible air conditioning in all rooms, wood stove, central vacuum system, electric roller shutters, double-glazed windows

Outdoor features: Bioclimatic pergola, 22 m² carport, covered terraces (15 m² and 10 m²), low-maintenance garden

Life Annuity Arrangement

Occupied life annuity on two lives (Mr. 84 years old – Mrs. 82 years old) with lifetime right of use and habitation.

Financial Structure

Free market value: €230,000

DUH discount (47%, Daubry table, age 82): €108,100

Occupied value: €121,900

Buyer’s contribution (lump sum): €116,100 incl. agency fees (€100,000 net to seller and €16,100 incl. VAT agency fees, payable by the buyer)

Monthly life annuity: €184, indexed annually (INSEE CPI)

Estimated occupancy period: 9.92 years (119 months)

Theoretical total over estimated period: €121,896 (lump sum + annuities)

Specific Clauses

Annuity fully reversible to surviving spouse

+30% annuity in case of definitive waiver of right of use and habitation

Highlights

Bright single-storey layout, central location, full and meticulous renovation, large living room, master suite, bioclimatic pergola, high-end kitchen, double-glazed windows, optimal thermal comfort, and easy-to-maintain outdoor space.

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