Sell your home as a life annuity in Walloon Brabant.
Receive a lump sum and a regular annuity while staying in your home if you wish. We value your property, look for a buyer and support you until the notarial deed.
- A lump sum at signing, then an annuity
- Option to keep living in your home
- Clear valuation of the bouquet and annuity
- Support until the deed at the notary
How does a life annuity sale work?
A viager is a property sale in which the buyer pays part of the price at signing, known as the bouquet, then pays the seller a regular annuity for life. The bouquet is not compulsory.
With an occupied viager, you keep living in your home through a right of use and habitation or a usufruct. With a vacant viager, the buyer takes possession at the sale, which generally increases the amount received.
This arrangement calls for a careful valuation and a sound legal framework. We analyse your situation, present your property to interested buyers and work with the notary to secure each step of the sale.
- Occupied or vacant viager to suit your life plans
- Valuation of market value and occupied value
- Bouquet and annuity tailored to your needs
- Coordination with your notary until the deed
The benefits of a viager for the seller.
A lump sum and regular income
The bouquet provides cash, while the annuity supplements your income, usually with indexation.
Stay at home with peace of mind
With an occupied viager, you keep your surroundings, your habits and your bearings.
A sale framed by the notary
The authentic deed sets out the guarantees, including a termination clause if the annuity goes unpaid.
A local point of contact
Our teams in Nivelles and Braine-l'Alleud welcome you and answer your questions, as well as those of your family.
Complete support for your viager.
Whether you are an owner looking to sell or a buyer seeking an investment, we support you with every type of viager, from the valuation to the signing.
Occupied viager
You sell your property while keeping the right to live there for the rest of your life.
Vacant viager
The property is vacated at the sale, with a generally higher bouquet and annuity.
Bouquet and annuity valuation
A calculation based on the property value, the seller's age and the chosen arrangement.
Finding a buyer
Presenting your property to buyers interested in viager and analysing their offers.
Negotiation and preliminary agreement
Support in setting the terms: bouquet, annuity, indexation and allocation of costs.
Buying as a viager
For buyers, a long-term wealth approach that requires less capital upfront.
The steps of a life annuity sale.
- Step 1
Initial conversation
We review your expectations, your family situation and the type of viager you are considering.
- Step 2
Property valuation
We carry out a valuation of your property, then propose a split between bouquet and annuity that suits your situation.
- Step 3
Finding the buyer
We present your property to interested buyers and help you compare their proposals.
- Step 4
Signing the preliminary agreement
The terms are set out in writing: bouquet, annuity amount and indexation, occupancy and property costs.
- Step 5
Deed at the notary
The notary executes the authentic deed and its guarantees. The bouquet is paid, then the annuity begins.
Everything about selling as a viager.
The calculation starts from the market value of the property. With an occupied viager, the value of your right of occupancy, which depends on your age, is deducted. The balance is then split between bouquet and annuity, according to your needs.
Yes, with an occupied viager. You retain a right of use and habitation or a usufruct, set out in the deed. With a vacant viager, the buyer occupies or lets the property immediately, which generally increases the bouquet and annuity.
When the buyer is a private individual who does not use the property for business purposes, the annuity is in principle not taxed as income. If the buyer is a company, it may be. Your notary will check your situation.
The notarial deed generally includes a termination clause. If payments stop, you can ask for the sale to be cancelled and recover your property. What happens to the sums already received depends on the terms of the deed.
Yes. The sale can be concluded on two lives. The annuity is then paid until the death of the surviving partner, who can also remain in the home. The annuity amount takes this into account.
Registration duties and deed costs are in principle paid by the buyer and vary by Region. With an occupied viager, the deed specifies who pays the property tax, maintenance and major works.
Can't find your answer? Feel free to contact us.
Let's talk about your viager project.
A first meeting lets us review your situation and check whether a viager meets your expectations and those of your family.