Seller area
Sell in a life annuity in Luxembourg
Selling in a life annuity (Leibrente) means turning your property's value into a lump sum paid at signing — the bouquet — plus a lifetime income, while keeping the right to live in your home. A calm way to supplement your retirement without leaving your surroundings.
Worked example
What your life annuity could represent
Property valued at around 900,000 €, owner aged 70 to 75, occupied life annuity.
Lump sum paid at signing
315,000 €
Monthly lifetime income
1,530 – 1,790 €/ month
Indicative estimate produced by our engine, based on the published scale. The exact amount depends on the property's real value, the owner's age and the chosen split between lump sum and income.
Your two options
Occupied or vacant: it's your choice
Depending on whether you wish to stay in your property or vacate it, the life annuity takes two forms. Each has its own logic and its own balance between capital and income.
Occupied life annuity
- You keep living in your home, with full legal security.
- The price factors in an occupancy discount, in your favour.
- You receive an immediate lump sum and an index-linked lifetime income.
Vacant life annuity
- You transfer the property free of any occupancy from the sale.
- With no occupancy discount, the income is significantly higher.
- Suited to a second home or a property you have already left.
Why sell with us
Clear support, from estimate to deed
An estimate grounded in public data
Our engine draws on Observatoire de l'Habitat prices and the published scale: every figure is traceable, never pulled out of thin air.
Guidance up to the notarial deed
We support you at every stage, right up to the signing of the authentic deed before the notary of your choice.
Confidentiality respected
Your approach stays private. Your data is neither sold nor shared, and serves only your project.
Free study, no commitment
The estimate and the first conversation are free. You then decide freely whether to go further, or not.
Other options
If a life annuity isn't right for you
A life annuity is not the only way to unlock your property's value. Depending on your situation, other wealth solutions may suit you better.
Senior finance solutions
Equity release, installment sale or sale with buyback: raise capital without necessarily selling for life.
Learn moreBare-ownership sale
Transfer the bare ownership while keeping the usufruct: a dismemberment logic close to the occupied life annuity.
Learn moreInheritance and gifts
Plan the transfer of your wealth to your loved ones within a controlled tax framework.
Learn moreFrequently asked questions
What sellers ask us
How is the annuity income taxed?
The life annuity enjoys a favourable tax treatment: only a fraction, set according to your age at the time of sale, is taken into account. The older you are at signing, the smaller the taxable share. The exact situation depends on your tax residence; we point you to the right advisers.
What happens to my income if the buyer stops paying?
You are protected. The seller benefits from the seller's lien and a rescission clause written into the deed: in the event of non-payment, the sale can be rescinded and you recover the property, while keeping the sums already received. These safeguards are set out in the notarial deed itself.
Can I move to a care home after the sale?
Yes. In an occupied life annuity, if you leave the home for good — for a care facility, for instance — the deed can provide for your right of use to be converted into an increased income, or for the property to be vacated in exchange for a supplement. This clause is negotiated upfront, when the deed is drawn up.
What about my heirs in a life annuity?
The lump sum and the income received are part of your estate and pass on normally. On your death, the property belongs to the buyer and leaves the estate; in return, you will have enjoyed the capital and income during your lifetime. It is a transfer choice to weigh calmly, with full understanding.
Estimate your life annuity for free
In just a few minutes, get an indicative income range. An expert then calls you back to refine the exact figure.