Many older property owners into a dilemma. On the one hand they have a debt-free and valuable real estate, on the other hand, their pension income are not exactly lush and not enough in the worst case for de running costs and living expenses. Often only the sale of the property left at the end. However, this is also equivalent to the excerpt on the home; not for everyone the optimal solution.
In the normal sale of real estate, get the purchase price in one lump sum and must see themselves, how to use this purchase price and divide the capital. Low interest rates, the savings is if necessary easily spent. Also, one is suddenly after years in the home tenants.
The sale of real estate against payment of a so-called annuity works differently. In this model you get a large amount of money, not only once but instead a lifetime pension payment. You can also see further also for life and rent-free – in your real estate live remain. This residence is notarized agreed and backed by an entry in the land register. This safeguard in the land register is important and gives you the security.
Life annuity or time pension?
There are several ways to sell a property for payment of a monthly pension (or may also lump). All variants can be but divided into two basic categories:
the (temporary) time pension, the buyer shall pay the pension for a fixed period of time (for example, 20 years)
the (perpetual) annuity, where the buyer pays a lifelong pension to the seller
Annuities are common especially in the purchase or sale of businesses. Residential real estate, however, dominated the life annuity.
What is an annuity?
The amount of the annuity to be agreed depends on two factors:
the value and the condition of the property
the age of the beneficiaries
As a rule of thumb: the older or the beneficiaries, the higher the monthly annuity fails. The calculation is based on so-called death panels and so-called bar value factors (which in turn are based on the assumed interest rate of pension). The calculation of the annuity is “not entirely without” and should be taken over by real professionals. This is true especially against the background that the lifelong free timeshare also represents a non-negligible value.
Also a possible objective determination of the current value of the property belongs to the calculation of the annuity. That is not how many real estate agents “with the rough thumb”, but according to very specific (legally defined) rules determining real estate value.
Who is responsible after the sale for the care and maintenance of the property?
Who is responsible for maintaining the property, must explicitly be regulated in the annuity contract. Models and variants, which we can offer you, the new owner – is similar to responsible a homes for maintenance.
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