Occupied life annuitySold
Bonnevoie, Luxembourg
Occupied life annuity house in Bonnevoie — 186 m² and 3 bedrooms
186 m²3 bedrooms2
- Bouquet
- €500,000
- Monthly annuity
- €2,500
View property
Accredited Expert Luxembourg100% Secure
Unlock the capital in your property without moving out
With a life annuity, carry on living in your home while receiving a monthly life annuity. Free estimate in 2 minutes for homeowners aged 55 and over in Luxembourg.
Free estimate with no obligation - Response within 24h - Full support
Your Home, Your Annuity
Live with peace of mind in your home
Who is viager.lu for?
Two ways to approach the viager
Sell in viager at 55 and over
Turn your property into a guaranteed monthly life annuity while continuing to live at home and preserving your financial independence.
- Guaranteed, indexed monthly annuity for life
- Lump sum (bouquet) paid immediately at the notary
- You stay in your home: lifetime right of use and habitation
Example — property of around €900,000, seller aged 70 to 75
315.000 €
immediate lump sum
1.530 €–1.790 €
monthly annuity for life
Indicative estimate from our simulator, not contractually binding.
Buy and invest in viager
Build real-estate wealth in Luxembourg on advantageous terms, with a secure transaction overseen by a notary.
- Discounted purchase price thanks to the occupant's right of use
- No rental management: the occupant maintains the property
- Authentic deed at the notary, registered guarantees
Example — occupied property of around €900,000 (aged 70 to 75)
315.000 €
lump sum at purchase
1.530 €–1.790 €
monthly annuity paid
Indicative estimate from our simulator, not contractually binding.
Are you asking yourself these questions?
Our experts support senior homeowners in Luxembourg every day
Your property assets make up a large part of your wealth but provide you with no monthly income.
Selling in viager turns your property into tangible income: a capital sum paid at signature (the bouquet), then a guaranteed, indexed monthly annuity for life. No loan, no moving out.
Explore financing solutionsHow does it work? Simple in 3 steps
A transparent process with support from start to finish
Free Estimate
Our expert assesses your property and calculates your personalised life annuity based on your age and your situation.
Example (property ~€900,000, ages 70-75):
315.000 € + 1.530 €–1.790 €/month
Indicative estimate, not contractually binding
Negotiation & Contract
We find the ideal buyer and negotiate the best terms for you. The contract is signed at the notary.
Included:
Bouquet + Guarantees
Your Annuities for Life
Receive your annuity every month and carry on living in your home with complete peace of mind. We handle the follow-up.
Guaranteed:
Lifetime payment
150+
Clients supported
4.9/5
Client satisfaction
15+
Years of experience
Life annuity listings in Luxembourg
Life annuity properties for sale in Luxembourg
Browse properties offered as occupied or vacant life annuities. Each listing presents the financial terms, property features and genuine photographs.
Understanding the solutions
The viager and its alternatives, simply explained
Occupied viager
The best-known and most common formula: sell while staying in your home.
Free viager
The viager contract for properties not occupied by their owner.
Bare ownership & usufruct
Separate usufruct and bare ownership to organise your wealth.
Senior finance
Reverse mortgage, sale with repurchase, term sale: the alternatives.
Succession & donation
Plan the transfer of your estate in the best possible way.
Viager scale
Consult the valuation coefficients used in Luxembourg.
They trust us
Read the testimonials of our satisfied clients
Thanks to the life annuity, I can finally enjoy my retirement without financial worries. I stay in the house I love and I receive €1,400 every month. The team was perfect!
B.D
Berthe Dietrich
Luxembourg-Ville, 72 years old
Very professional and transparent process. I was able to negotiate a good bouquet on top of my annuity. My children are reassured and so am I!
C.R
Christian Reuter
Esch-sur-Alzette, 68 years old
At first I was hesitant, but the expert explained everything clearly to me. Now I recommend it to all my friends in the same situation.
E.H
Elisabeth Hansen
Differdange, 75 years old
What is the difference between an occupied and a vacant life annuity?
Occupied life annuity: You sell your property but keep the right to live there until your death. The annuity is lower (25-35% discount) but you stay in your home. Vacant life annuity: You sell and immediately free up the home. The annuity is maximal (no discount) but you must move out. Ideal if you wish to change your life or be closer to your family.
Which type of life annuity should I choose according to my age?
65-72 years: Both options are viable. The choice depends on your life plans. 73-80 years: The vacant life annuity becomes financially more advantageous. 80+ years: The vacant life annuity offers a significantly higher annuity and can finance a quality care home.
Can I sell via life annuity if I am a couple?
Yes, absolutely! The life annuity on two heads is common. The calculation is based on the life expectancy of the younger spouse, which slightly reduces the annuity but offers optimal security. If one spouse dies, the survivor continues to receive the full life annuity.
Can I sell part of my property via life annuity?
Technically possible but very rare in Luxembourg. It is generally more advantageous to sell the whole property via life annuity and invest part of the bouquet according to your needs. Our expert can study your specific situation.
How is my life annuity calculated?
The calculation follows this formula: 1. Market value of the property (expert estimate), 2. Minus the occupancy discount (0% for vacant, 25-35% for occupied), 3. Minus the bouquet (10-30% depending on negotiation), 4. Divided by life expectancy according to actuarial tables, 5. Adjusted according to the life annuity rate (3-7%). Example: Apartment €600k, woman 73 years, vacant life annuity = about €2,400/month.
Learn more
Our viager guidance
Ready to unlock the capital in your property?
More than 150 Luxembourg homeowners have placed their trust in us. Join them and find out how much your property could earn you each month.
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