To buy a property in the viager system is a practical solution that can meet your specific needs! The best method to build your wealth and become an owner in Monaco or on the Riviera, at your own pace, without needing any bank financement, without rental risks, in the context of an ethical, profitable and responsible solution!
The overall principle is simple: on the day of the sale of the property, the buyer pays the seller a lump sum, called “the bouquet”, and then, each month, a lifetime annuity called“rente”.
In an inhabited viager agreement, the seller can keep a Right of Use and Habitation of the appartment or house, which will be deducted from the sale price.
What are the main motivations of our investors to buy under the viager scheme?
1/ Build up your wealth in privileged conditions
Buying a viager property is today the most effective solution for gradually building up your assets while benefiting from real estate security.
2/ Optimize your investments in the medium / long term
Buying a viager property allows you to diversify your asset portfolio and build up additional income over time, with limited volatility of return, since it is already deducted from the purchase price.
3/ Benefit from an investment with an optimal risk / return ratio
On average, a viager transaction has an IRR of between 6 and 9%, derived from two main components of return : first, the embedded rend that is deducted from the purchase price ; second, the price discount that the buyer is granted due to illiquidity of the investment.
4/ Invest in real estate in Monaco or on the Riviera without resorting to bank credit
Buying a viager property is a financial transaction that allows you to own a property without paying interests to a bank.
5/ Master the tax impacts and transaction costs
As for all real estate property, viager is free of estate tax (to be further assessed depending on each specific situation).
If you are concerned by at least 3 of these reasons, do not hesitate to contact Zodiaque Viager to evaluate, without commitment, the investment opportunities offered by the viager system in Monaco.