Property Solutions & Viager
Viager is a French real estate arrangement in which a buyer purchases a property and pays the seller through an initial payment and ongoing lifetime payments
Property Solutions & Viager
Viager is a French real estate arrangement in which a buyer purchases a property and pays the seller through an initial payment and ongoing lifetime payments
+33 6 89 22 30 73
A smart and secure wealth planning solution
Discover our expertise in viager transactions
At Ma Résidence Services, we provide expert guidance for both buyers and sellers involved in viager transactions, a unique real estate solution that offers significant financial and estate-planning benefits.
With more than 20 years of experience, our team delivers personalized support and professional advice throughout every stage of the transaction, ensuring a transparent and secure process for all parties involved.
Why choose a viager transaction ?
Benefits for the seller
A viager sale can provide valuable financial security while allowing you to remain in your home.
Regular Lifetime Income
Receive ongoing payments that can supplement your retirement income and enhance your quality of life.
Immediate Capital Payment
Benefit from an initial lump-sum payment (« Bouquet ») that can be used for personal projects, investments, or specific financial needs.
Remain in Your Home
With an occupied viager, you continue living in your property while enjoying the financial advantages of the sale.
Reduced Ownership Responsibilities
Depending on the agreement, certain property-related costs and maintenance obligations may be transferred to the buyer.
Benefits for the Buyer
Viager offers an attractive alternative investment strategy with long-term potential.
Accessible Real Estate Investment
Acquire property at a value often lower than its current market price.
Flexible Payment Structure
The purchase price is spread over time through regular annuity payments, reducing the need for substantial upfront capital.
Long-Term Value Potential
The buyer ultimately becomes the full owner of the property, with opportunities for future appreciation or personal use.
A Socially Responsible Investment
Viager transactions help senior homeowners secure their retirement while creating investment opportunities for buyers.
Why work with French retirement experience ?
Recognized Expertise
More than two decades of experience specializing in viager transactions and senior real estate solutions.
Personalized Support
We assist you at every stage of the process, whether you are selling or purchasing a property through viager.
Professional Guidance
Our specialists help you understand the legal, financial, tax, and estate-planning aspects of each transaction.
Complete Transparency
We are committed to providing clear information, honest advice, and secure transactions.
Extensive Network
Through our trusted network of partners and professionals, we identify opportunities tailored to your objectives.
How does a viager purchase work ?
Property Valuation
The property’s value is assessed based on market conditions, the age of the seller, and any occupancy rights retained by the seller.
Determining the Bouquet and Lifetime Annuity
The transaction may include:
A bouquet, an initial lump-sum payment made at the time of purchase.
A lifetime annuity, paid regularly to the seller according to agreed terms and life expectancy calculations.
Signing the Sale Agreement
Once all conditions have been agreed upon, the transaction is finalized before a notary, ensuring full legal security for both parties.
Ongoing Annuity Payments
The buyer makes regular annuity payments as specified in the contract, while both parties benefit from a structured and secure arrangement.
Your trusted partner in viager transactions
Whether you are looking to secure your retirement income or diversify your real estate investments, Ma Résidence Services offers the expertise, guidance, and personalized support needed to help you achieve your goals with confidence.
