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vous propose un bien immobilier à Saint Laurent de Cognac (16100), idéal pour un investissement en viager occupé en nue-propriété
Description du bien :
Location : Situated only 10 minutes from the centre of Cognac, this 200 m² house offers a pleasant and spacious living environment.
Layout :
Ground floor: The entrance hall opens onto a large living room with direct access to a terrace and swimming pool. The fully-equipped kitchen also makes the most of this outdoor space.
There is also a study, bedroom, bathroom and WC.
First floor: A large bedroom with washbasin.
Basement 90 m² :
This comprises a garage for two cars, a storeroom, a laundry room and a cellar.
A converted part of the basement offers two bedrooms, a shower room and a toilet, making it possible to create an additional or independent space.
Financial terms of the occupied life annuity:
Market value of the property: €765,000
Package to be paid: €549,725 HAI (Agency fees included), payable by the vendor when the deed of sale is signed.
Occupied life annuity: The vendor, an 81-year-old man, remains occupied in the property until his death.
As the buyer, you will not have immediate use of the house, but you will benefit from a reduced purchase price thanks to this life annuity mechanism.
Why invest in an occupied life annuity?
Attractive price: With an occupied life annuity, the buyer benefits from a reduction compared with the market value of the property.
In this case, you are buying this 200 m² house for well below its market value of €765,000, because the vendor is occupying it.
Long-term investment: You won't be able to occupy the house for as long as the vendor lives there, but once he or she dies, you will become the full owner.
Monthly annuity: In addition to the bouquet, the buyer will be required to pay a monthly life annuity. The amount of this annuity will be determined according to the seller's age and life expectancy, but it is not specified in the advert.
Energy performance:
Energy class: C, with a consumption of 170 kWh/m²/year, which represents a correct and reasonable energy performance for a house of this size.
Key facts:
Occupied life annuity investment with an initial bouquet of €549,725, payable by the vendor.
The vendor, aged 81, will remain in the house for an indefinite period.
The property has 200 m² of living space and a 90 m² converted basement.
Possibility of buying at a reduced price compared with the market value of the property.
Monthly annuity to be expected, calculated according to the seller's age.
If you would like more details about this property, or if you are interested in the opportunity to buy an occupied life annuity, please contact us to arrange a viewing.
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