{"id":6781,"date":"2022-11-21T13:35:44","date_gmt":"2022-11-21T13:35:44","guid":{"rendered":"https:\/\/www.consultants-immobilier.com\/?page_id=6781"},"modified":"2025-12-15T17:07:57","modified_gmt":"2025-12-15T17:07:57","slug":"free-life-annuity","status":"publish","type":"page","link":"https:\/\/www.consultants-immobilier.com\/en\/life-annuity\/free-life-annuity\/","title":{"rendered":"Free life annuity"},"content":{"rendered":"

[vc_row full_width=”stretch_row” content_placement=”middle” css=”.vc_custom_1672757429102{background-image: url(https:\/\/www.consultants-immobilier.com\/wp-content\/uploads\/2023\/01\/lib.jpg?id=7256) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”override_left”][vc_column css=”.vc_custom_1657728499249{padding-right: 15px !important;padding-left: 15px !important;}”][\/vc_column][\/vc_row][vc_row el_class=”override_pos”][vc_column][vc_row_inner css=”.vc_custom_1662026446228{background-color: #e4e4e4 !important;}”][vc_column_inner][vc_custom_heading text=”Freehold life annuity” font_container=”tag:h1|text_align:center|color:%23040e31″ use_theme_fonts=”yes” css=”.vc_custom_1765818474276{padding-right: 20px !important;padding-bottom: 30px !important;padding-left: 20px !important;}” el_class=”relative_pos”][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”firstblock” css=”.vc_custom_1668613473269{background-color: #ffffff !important;}”][vc_column_inner][vc_column_text]<\/p>\n

Immediate availability<\/h2>\n

Less known and rarer, the free life annuity allows the purchasers to make a rental investment or to acquire a principal residence.<\/p>\n

In free life annuity, the property is sold in full ownership. From the moment of signature, the purchaser has the right of use.\u00a0He can either occupy it (right of use, or usus), or rent it (right of renting, or fructus), or resell it (right of alienation, or abusus). In other words, he holds the bare ownership and the usufruct.<\/p>\n

In the event of the death of the seller, the debirentiliser stops paying the annuity.<\/p>\n

Because of the usufruct obtained at the time of the purchase, the purchaser in free life annuity cannot claim the discount (from 25 to 50%) which benefits the occupied life annuity, which corresponds to the cost of the right of use and dwelling (DUH) of the housing by the salesman. For the same property, its price is therefore higher than an occupied life annuity.<\/p>\n

Advantages and disadvantages<\/h2>\n

For the seller:<\/strong><\/p>\n