Orléans, Centre-Val de Loire 45000

iad France - Philippe Jay offers: ORLÉANS - OCCUPIED LIFE ANNUITY House 73 m² with garden and garage - Sought-after residential area In Orléans, in a quiet street and a popular residential environment, discover this 73 m² detached house offered as an occupied life annuity, ideally located in the immediate vicinity of shops, schools and the tramway (2 minutes away). The house consists of a living room, an independent kitchen, two bedrooms and a laundry room. It also has a private garage and a large enclosed garden of 423 m², a veranda, a rare property in an urban environment. Recent boiler (2018). The property is maintained by the occupant. Serene Life Investment - Man 74 years old Privileged area - Argonne - Nécotin - Belneuf. Become the owner of this house with a market value of 185,000 while benefiting from an immediate discount thanks to the seller's occupation (H, 74 years old). A socially responsible investment with a controlled financial framework. We offer three acquisition schemes adapted to your wealth strategy: OPTION 1: Capital/Annuity Balance Ideal for a gradual investment with a moderate down payment. Bouquet (Initial capital): 60,000 Monthly pension: 286 Total contribution at the signing: 60000 (including 7,500 in fees) The plus: A low pension that makes it easier to manage your monthly budget. OPTION 2: Reduced Initial Capital To maximize the leverage effect on the annuity. Bouquet : 35 000 Estimated monthly pension: Approximately 460 Total contribution at the signing: 35000 (including 7,500 in fees) The plus: A very affordable entry ticket for a portfolio of 185,000. OPTION 3: Single bouquet (Life annuity without annuity) Total security: no hazards over the duration of the pension payment. Single package (Total capital): 103,230 Monthly pension: 0 Total contribution at the time of signing: 113230 (including fees) 8.8% The plus: You pay the full discounted price at the start. No monthly payments to be expected, no risk of longevity. POINTS OF VIGILANCE & LEGAL FRAMEWORK Distribution of expenses (Occupied Life Annuity): Seller: Retains the Right of Use and Habitation (DUH). He remains liable for current expenses, routine maintenance and the household waste collection tax. Buyer: Takes care of the Property Tax (excluding garbage taxes) and major repairs defined by Article 606 of the Civil Code (roof, load-bearing walls). Early Release Clause: In the event of the seller's voluntary departure (e.g. entry into a retirement home), the contract provides for a total vacancy of the premises for the benefit of the buyer. In return, the initial pension will be increased by 35% The buyer then recovers the full use of the property to live in or rent it. Contact me to receive the detailed sheet, the complete heritage study and to organize a visit. Rare opportunity in occupied life annuity in Orleans. Agency fees to be paid by the seller. Energy display information on this property: ENERGY class E index 316 and CLIMATE class E index 56. Information on the risks to which this property is exposed, including the legal obligation to clear brush, is available on the Géorisques website:. This real estate advertisement has been written under the editorial responsibility of Mr. Philippe Jay, independent real estate agent (without holding funds), commercial agent of the SAS France registered with the RSAC of Bourges under the number 932050123, holder of the real estate canvassing card on behalf of the company France SAS.