Close to La Rochelle in Charente-Maritime, house sold as a life annuity occupied by a 87-year-old man and an 84-year-old woman over 180 monthly installments (15 years).
The market value of this property is €580,000. A discount of €223,600 (39%) is applied for the right of use and occupancy.
Initial capital of €155,000 (agency fees included) and 180 monthly installments of €1,300.
Ideally located at the gates of La Rochelle, close to the 18-hole golf course, in a peaceful neighborhood, within sight of the ocean, the house is built on a plot of 803 m² with a swimming pool of 7.30 m x 3.50 m and a garage for two cars (40m²).
You will notice, from the entrance, that the house has beautiful volumes and is bright. The living area is approximately 60 m² extended by a veranda that opens onto a terrace and the pool.
The kitchen is fully fitted and equipped, and communicates directly with the dining area.
The entrance hall distributes access to 3 bedrooms all equipped with large closets, including one with a private bathroom, a bathroom and toilet.
Also from the entrance, a staircase leads to the basement. A bedroom has been fitted out, as well as a room with numerous storage units (currently used as a sewing workshop), further on 58 m² with a kitchenette area, another laundry room and another for sports. Conveniently, there is also a pantry.
The house is equipped with a centralized vacuum system, underfloor heating + reversible air conditioning and a pellet stove in the living room.
Outside, attached to the garage, a covered patio of 18 m² and two garden sheds, one of which serves as a pool house.
The house is connected to mains sewage. The property tax is €1,800.
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Initial payment €155,000. Fees to be paid by the seller. Energy class C, Climate class A. Estimated average amount of annual energy expenditure for standard use, based on energy prices from 2021: between €1,425.00 and €1,929.00. Information on the risks to which this property is exposed is available on the Georisks website: georisques.gouv.fr.