A vacation life annuity allows you to combine immediate capital, monthly income, and an emotional connection to the property. Ideal for those who want to fully enjoy their assets without the constraints of everyday life.
A formula designed for a peaceful, free, and active retirement.
| Aspect | Classic Viager | Viager with 2 Weeks of Vacation |
|---|---|---|
| Regular Income | Monthly life annuity, tax-advantaged according to age. | Monthly annuity + significant upfront capital: double financial advantage from the start. |
| Immediate Capital (Bouquet) | Capital in the form of a bouquet. | Higher bouquet, enabling immediate projects or quickly improving living standards. |
| Property Occupation | The seller stays in the property for life. | The seller vacates the property but retains the right to stay 2 weeks per year, for life, in a fully renovated property. |
| Right of Use and Occupation | Usufruct or lifetime right of use. | Partial right of use (2 weeks/year), with no charges or property maintenance. |
| Freedom of Movement | Limited due to attachment to the property. | Great freedom to travel, change cities, or countries while maintaining a connection to the property. |
| Property Management | Seller is responsible for property management if occupied. | No responsibility. Complete peace of mind in daily life. |
| Tax Benefits | Annuity partially tax-exempt based on age. | Annuity + capital optimizable for tax purposes (especially in projects or donations). |
| Transmission / Succession | Property transferred to the buyer upon death. | Early transfer: simplifies succession and prevents conflicts among heirs. |
| Quality of Life | Maintain comfort but with obligations related to occupation. | Mental and physical freedom, with an annual relaxation break in the former property. |
| Financial Flexibility | Regular monthly income. | Combination of capital + annuity + annual stay: a flexible, secure, and rewarding formula. |
