Occupied life annuity house in Bonnevoie — 186 m² and 3 bedrooms
Bonnevoie, LuxembourgReference ATH-9255510
- Living area
- 186 m²
- Land area
- 300 m²
- Bedrooms
- 3
- Bathrooms
- 2
- Parking spaces
- 4
- Energy class
- E
The property's strong points
- Separate fitted kitchen
- Living and dining area with fireplace
- 25 m² terrace
- 150 m² garden
- Two garage spaces and two outdoor parking spaces
- Cellar and wine cellar
- Gas heating
- Fibre-optic internet
Property description
Located in Luxembourg-Bonnevoie, this 186 m² semi-detached house is offered as an occupied life annuity. Arranged over two levels, it includes three bedrooms, a living and dining area with a fireplace, a separate fitted kitchen, one bathroom and one shower room.
The advertised terms provide for a €500,000 bouquet and a monthly annuity of €2,500. Availability and final terms remain subject to confirmation in the sales file and notarised deed.
Outside, the property has a 25 m² terrace and a 150 m² garden. Two outdoor parking spaces and a garage for two vehicles complete the property.
Location and surroundings
The property is located in Bonnevoie, a district of Luxembourg City. The exact address and viewing information are provided on request.
See the commune's market — LuxembourgDoes the seller continue to live in the property?
Yes, that is the principle of the occupied viager: the seller keeps a lifetime right of use and habitation, registered in the notarial deed. This occupation is what justifies the discounted purchase price. If they leave the property (care home, family), early release is governed by the contract.
Can I visit the property?
Yes. Visits are organised with our assistance, respecting the occupant. Request the file or call us to arrange a slot.
Who pays for works and charges?
As a rule, the occupant covers day-to-day maintenance and usage charges; major repairs (roof, structure) fall to the buyer. The exact split is set out in the notarial deed — we review it with you before any commitment.
How is the annuity calculated?
Based on the property's value, the occupancy discount (usufruct scale according to the occupant's age) and life expectancy (STATEC data). The detailed calculation is included in the sales file.
Can I finance the purchase with a loan?
The bouquet can be financed with a standard loan depending on your profile, but the monthly annuity cannot be bank-financed: it is paid from your income. Many buyers use savings for the bouquet and spread the rest through the annuity.
What happens when the seller passes away?
The annuity ends and you obtain full ownership of the property, free of occupation (after notarial formalities). If the contract covers two heads, the annuity continues for the surviving spouse until their own death.