Educational simulation
Occupied viager in Bettembourg-Noertzange
Here is what a Occupied viager operation can look like in the Bettembourg-Noertzange area, for a representative profile and property. All amounts are simulated from the commune's official price per m².
- Apartment
- 5 rooms
- Living area
- 115 m²
- Price basis (Observatory)
- 7,600 €/m²
- Reference life expectancy (STATEC)
- 7.2 years
The structure of the operation
- Property value
- €875,000
- Occupancy discount
- −25 %
- Bouquet paid at signature
- €306,250
- Monthly annuity for life
- €4,940
- Discounted purchase price
- €656,250
The context
The property and the profile
- Apartment with 5 rooms, 115 m², located in Bettembourg-Noertzange. Price basis: 7,600 €/m², consistent with asking prices observed in the commune.
- Seller profile: Femme, 85 ans. Age determines the occupancy discount and the annuity conversion coefficient.
- The commune's viager market
How to read these figures
The 25% discount is the value of the right of use and habitation kept by the seller: the buyer pays €656,250 for a property worth €875,000.
The seller receives €306,250 at signature before the notary, then an indexed annuity for life.
The coefficients used are those of our public scale: reference life expectancy of 7.2 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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