Educational simulation
Bare-ownership sale in Esch-sur-Alzette-Nonnewisen
Here is what a Bare-ownership sale operation can look like in the Esch-sur-Alzette-Nonnewisen area, for a representative profile and property. All amounts are simulated from the commune's official price per m².
- House
- 8 rooms
- Living area
- 220 m²
- Price basis (Observatory)
- 5,800 €/m²
- Reference life expectancy (STATEC)
- 14.8 years
The structure of the operation
- Property value
- €1,275,000
- Occupancy discount
- −40 %
- Bouquet paid at signature
- €765,000
- Monthly annuity for life
- No annuity — cash operation
- Discounted purchase price
- €765,000
The context
The property and the profile
- House with 8 rooms, 220 m², located in Esch-sur-Alzette-Nonnewisen. Price basis: 5,800 €/m², consistent with asking prices observed in the commune.
- Seller profile: Homme, 70 ans. Age determines the occupancy discount and the annuity conversion coefficient.
- The commune's viager market
How to read these figures
The 40% discount is the value of the right of use and habitation kept by the seller: the buyer pays €765,000 for a property worth €1,275,000.
The seller receives the full price, €765,000, at signature before the notary, and keeps the use of the property.
The coefficients used are those of our public scale: reference life expectancy of 14.8 years for this profile.
Method and sources
Educational case study: amounts, ages and terms are simulated — this is not a real transaction. Property value = surface × local price per m² (Housing Observatory, data.public.lu), rounded. Every real operation is the subject of a personalised study.
Price source: Housing Observatory — logement.public.luDoes your situation look like this study?
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