Occupied life annuity in Marçon (72340) – €49,630 including agency fees + €335.61/month
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bathrooms
2
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area
47 m2
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bedrooms
3
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land
951 m2
Presentation of the property : House 4 rooms for sale in MARCON
Heritage Investment – House 77 m² – Land 951 m² – Exceptional Countryside Views. In Marçon, discover this detached house of approximately 77 m² of living space, situated on a 951 m² plot, in a peaceful setting with remarkable unobstructed views of the countryside. The sale is offered as a life annuity with retained occupancy by one person, an 86-year-old woman, who retains her right of use and habitation. FINANCIAL CONDITIONS OF THE LIFE ANNUITY • Market value: €107,000 • Right of use and habitation (DUH): €34,652.41 • Net seller's lump sum payment: €40,000 • Lump sum payment including agency fees: €49,630 • Life annuity: €335.61/month. The buyer becomes the owner upon signing the authentic deed. The seller retains the right to use the property under the conditions defined in the deed of sale. THE HOUSE: With a living area of approximately 77 m², the house comprises 4 rooms, including 3 bedrooms. • On the ground floor: one bedroom and a shower room • Upstairs: two bedrooms and a shower room • Fireplace with insert • Electric heating to be renovated • PVC double glazing installed in 2008 and 2017 • Exterior insulation on the north side completed in 2021 • Energy Performance Certificate (EPC) rating E, completed in December 2022 LAND & OUTBUILDINGS • Plot of 951 m² • Terrace of approximately 35 m², facing East. • Garage with automatic door • Covered parking suitable for a camper van • Quiet, green surroundings • Exceptional, unobstructed views of the countryside WORK TO ANTICIPATE: • Electric heating needs renovation • Half of the roof is covered in shingles, dating from 2002 and facing east • Septic tank installed in 2006 and brought up to code. WHY INVEST IN A LIFE ANNUITY? Based on a market value of €107,000, the right of use and occupancy retained by the seller is valued at €34,652.41, bringing the total value of the occupied property to €72,347.59. The purchase is made with a down payment of €49,630 (including agency fees), supplemented by a life annuity of only €335.61 per month. An opportunity for a buyer wishing to gradually build a real estate portfolio, with a manageable monthly expense and no rental management responsibilities during the occupancy period. Upon vacating the property, it can, depending on the buyer's plans and subject to regulations and any necessary renovations, be occupied, resold, or offered for rent. Further information, life annuity file, and viewings by appointment.
The fees are to be paid by the seller.
Les informations sur les risques auxquels ce bien est exposé sont disponibles sur le site Géorisques : www. georisques. gouv. fr.
** ENGLISH SPEAKERS: please note that Capifrance has an international department that can help with translations. To see our range of 20,000 properties for sale in France, please visit our Capifrance website directly. We look forward to finding your dream home!
Additional information :
Total price including fees 49 630 €Fees payable by the seller
Location of the property : House 47 m2 for sale in MARCON
Features of this property :
| 340 938 467 631 | |
| 3 | |
| 4 | |
| 47 m² | |
| 951 m² | |
| 2 | |
| 1900 | |
| yes |
| Electric, Stove | |
| yes | |
| yes | |
| yes | |
| yes |
| 49 630 € | |
| 335 € | |
| Occupied | |
| 1 | |
| 86 |
Average energy prices indexed as of January 1, 2021 (subscriptions included)
Capifrance advisor in charge of this property
To obtain a mortgage, it is necessary to compile a loan application file with a bank or a credit institution. The conditions for granting a loan generally include a personal contribution, job stability, a reasonable debt-to-income ratio, and a good repayment capacity. It is advisable to compare offers from different institutions to get the best terms.
In addition to the purchase price of the property, several additional costs should be anticipated, such as notary fees (approximately 7 to 8% of the sale price for an older property), agent fees, loan application fees, insurance, as well as potential renovation or furnishing costs.
The difference between a sales agreement and a sales promise lies mainly in the commitment of the parties and the consequences in case of non-compliance with the terms of the contract.
Sales agreement: Strong mutual commitment between both parties. If one party withdraws, the other can demand the forced execution of the property sale.
Sales promise: Unilateral commitment from the seller. The buyer has the option to purchase or not, with a reservation fee in case of non-purchase.
. Contact a Real Estate Advisor
Express your interest in the property for sale.
. Propose a Price and Purchase Conditions
Indicate the offered price and conditions (timeline, contingencies, etc.).
. Wait for the Seller's Response
The seller can accept, reject, or propose a counteroffer.
. Formalize the Sale
If the offer is accepted, sign a sales agreement and verify the legal documents.
Finalize your financing if necessary.
Sign the deed of sale at the notary's office to officially become the owner.
These steps will help you secure and successfully complete your real estate purchase.
Do you need advice for your real estate project? Contact a Capifrance advisor
