THE LIVING BUYER
Acquiring life annuities presents the following 4 advantages:
- Building a FUTURE RETIREMENT TASK DEFISCALIZED,
- Build a RETIREMENT HERITAGE under unparalleled conditions,
- OPTIMIZE its FISCALE situation,
- BUILDING THE FUTURE of your CHILDREN.
BUILDING ITS FUTURE DEFISCALIZED RETIREMENT
"By acquiring a life annuity occupied, resold to its term in free life"
A busy life annuity undergoes a DECOTE, depending on the sex and age of the seller. The table below determines this by 5 years. VALUE OCCUPANCY (DECOTE)
|AGE SELLER||70 years||75 years||80 years ||85 years||90 years|
At the end of the occupation, you will resell, if you wish, in FREE LIFE which will generate for you a BOUQUET and a PENSE much superior, because the good is resold free and revalorized. In fact, by experience, the surplus bouquet will pay you almost the one you paid and the pensions paid. The annuity you receive will not cost you much, and you will benefit, after 69 years of age, from a 70% tax deduction on your pension.
BUILDING A RELATIVE HERITAGE
By simply buying a VIAGER-OCCUPIED, you immediately become the owner of a real estate that you can, when it is released, live or rent. In this hypothesis, real estate RETURN will have to be calculated not on the free value (6% for example) but on what you actually paid, that is, the value occupied, which mathematically gives a return Of 12% if the discount for occupancy was 50%. Your rental yield would therefore be the DOUBLE of an ordinary rental yield.
OPTIMIZING ITS FISCAL SITUATION
A life annuity, a landed income and a traditional pension are not subject to the same tax levies.
ONLY, RENTE VIAGÈRE benefits from a significant tax deduction:
- 70% after 69 years of age,
- 60% between 60 and 69 years
Land income and traditional retirement, as far as they are concerned, will no longer benefit from the lower abatement as of 2006 income.
Another tax interest for the purchaser resides in the reduction of ISF represented by the reserved dividend and the capitalization of the annuity. For those subject to this tax, only the residual value of the asset, net of the capitalization of the dividend reserve, and the annuities to be paid, will have to be declared, which severely limits the taxable mass.
In addition, the seller having reserved the enjoyment, will pay the housing tax, a small part of the land (garbage), as well as all the charges borne by a tenant.
The purchaser will only bear the balance of the property tax and the major repairs, that is to say less than a normal owner.
Finally, the major interest is that the purchaser "de facto" deducts tax-free rental income, which he capitalizes until the end of the reserve of occupation and which represents in capital the very value of this reserve, Adding to the revaluation of the good. At the end, that is to say the liberation of the premises, the increase in the value of the property in relation to its purchase price will represent an EXPENDED INCOME.
Thus, acquiring a busy life annuity represents well for the buyer an INTELLIGENT INVESTMENT.
BUILDING A HERITAGE FOR YOUR CHILDREN
The deductible of donations, of 150 000 € per child, and 30 000 € per grandchild allows every 6 years to remake them a new donation.
By buying a life annuity for each child or grandchild, from an early age, you create a real estate for their entry into the working life.
You realize an investment at a virtually zero rate (only variant the index of the annuity).