A: The amount of the bouquet is usually negotiated between the seller and the buyer. It depends on the total value of the property, the age of the seller, and the amount of the life annuity. A life annuity expert uses actuarial methods to balance these elements to ensure a fair transaction for both parties.

A: To establish a life annuity contract, the following documents are generally required: Title deed of the property. Complete real estate diagnosis (DPE, asbestos, lead, etc.). Civil status of the seller and the buyer. Actuarial valuation of property and annuities. Written agreement on the terms of the sale (bouquet, annuity, etc.).

A: For the seller, life annuities benefit from a tax reduction that varies according to age: 70% reduction for those over 70. For the buyer, the annuities paid can be deducted from property income under certain conditions. In addition, in the case of an occupied life annuity, the value of the right of use and habitation can reduce the IFI (Property Wealth Tax) base.

A: n the event of non-payment of the annuities, the seller may refer the matter to court to request the execution of the contract or the resolution of the sale. The life annuity contract must include a termination clause allowing the property to be recovered in the event of non-payment. It is advisable to provide for late payment penalties to avoid these situations.

A: In the event of non-payment of the annuities, the seller may refer the matter to court to request the execution of the contract or the resolution of the sale. The life annuity contract must include a termination clause allowing the property to be recovered in the event of non-payment. It is advisable to provide for late payment penalties to avoid these situations.