Educational simulation
Occupied viager in Walferdange-Bereldange
Here is what a Occupied viager operation can look like in the Walferdange-Bereldange area, for a representative profile and property. All amounts are simulated from the commune's official price per m².
- Apartment
- 5 rooms
- Living area
- 110 m²
- Price basis (Observatory)
- 8,900 €/m²
- Reference life expectancy (STATEC)
- 16 years
The structure of the operation
- Property value
- €980,000
- Occupancy discount
- −38 %
- Bouquet paid at signature
- €343,000
- Monthly annuity for life
- €1,810
- Discounted purchase price
- €607,600
The context
The property and the profile
- Apartment with 5 rooms, 110 m², located in Walferdange-Bereldange. Price basis: 8,900 €/m², consistent with asking prices observed in the commune.
- Seller profile: Femme, 72 ans. Age determines the occupancy discount and the annuity conversion coefficient.
- The commune's viager market
How to read these figures
The 38% discount is the value of the right of use and habitation kept by the seller: the buyer pays €607,600 for a property worth €980,000.
The seller receives €343,000 at signature before the notary, then an indexed annuity for life.
The coefficients used are those of our public scale: reference life expectancy of 16 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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