Life Annuity Sale in Luxembourg: Benefits and How It Works
Real estate expert in Luxembourg
The life annuity sale (viager) is a lesser-known option in Luxembourg that can be highly advantageous for senior property owners.
What is a Life Annuity Sale?
The seller transfers their property in exchange for an upfront payment (bouquet, 20-30% of value) and a lifetime monthly annuity.
Occupied vs Free Life Annuity
In an occupied viager, the seller retains the right to live in the property. In a free viager, the buyer can move in immediately.
Tax Treatment
- The bouquet is subject to capital gains tax
- The annuity benefits from a tax allowance based on age
- From age 70, only 30% of the annuity is taxable
FAQ
From what age can you sell on a life annuity basis?
There is no legal minimum age, but in practice it becomes worthwhile from age 70.
By Sellect.lu
Sellect.lu is the leading platform for comparing real estate agencies in Luxembourg. Our team of experts analyzes the Luxembourg real estate market to provide you with reliable and up-to-date advice.
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