Viager Europe — Cabinet Daubry
Guide expert

Luxury Properties

Sell your luxury property in viager without ads or viewings. Exclusive partnerships with institutional buyers for high-end properties.

2 min de lectureMis à jour le 7 juillet 20264 questions fréquentes

Our viager expertise since 1964 has enabled us to develop a dedicated offering for luxury properties in viager. This experience has led the largest institutional buyers of viager without life annuity (rente viagère) to place their trust in us.

We have signed exclusive partnerships with subsidiaries of major French banks and insurance companies, for the search of exclusively high-end properties. This institutional approach provides owners with a discreet, fast, and secure sales solution.

The advantages of luxury viager

  • Fast and secure purchase: institutional buyers have their own funds to conclude quickly.
  • No advertising or visits: your property remains completely confidential, with no public disclosure.
  • Sale at fair market value: market value appraised by an independent expert approved by the AMF.
  • No taxation: the viager without life annuity (rente viagère) structure (sale of bare ownership (nue-propriété)) is tax-optimized.
  • No loan suspensive condition: the institutional buyer has its own funds, with no risk of withdrawal due to failure to obtain credit.

A simple and fast implementation

  • Price determination with our firm.
  • File preparation by us and presentation of your property to the selection committee of institutional clients.
  • Appraisal of the property's market value by an independent expert approved by the AMF.
  • Confirmation of acquisition through a purchase offer within an average of 10 days.
  • Payment of the price by authentic deed upon receipt of administrative documents by your notary.

The contract framework

The structure includes:

  • Reservation of the property's occupation by the seller (Right of Use and Habitation or Usufruct).
  • Property taxes, charges, and maintenance work paid by the seller.
  • Major works (Article 606 of the Civil Code) paid by the buyer.
  • The possibility of relinquishing enjoyment of the property (e.g., moving to a retirement home), with payment of an additional capital by the buyer.

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FAQ

Vos questions, nos réponses

Tout ce qu'il faut savoir avant de se lancer.

01Which properties qualify for prestige viager?
High-end properties in prime real estate areas: *hôtels particuliers*, large Haussmann-style apartments in Paris, villas on the French Riviera (Cap d’Antibes, Saint-Jean-Cap-Ferrat, Mougins), vineyard estates, and country estates. The minimum acquisition amount varies by institutional partner.
02Why choose a luxury viager sale over a traditional sale?
Three main reasons: complete confidentiality (no advertising or viewings), speed (institutional buyer with own funds, no loan suspensive condition), and tax optimization of the viager structure without life annuity (rente viagère). This is particularly suited to owners looking to transfer significant assets without exposing them to the market.
03Which institutional buyers invest in viager?
These are specialized subsidiaries of major French banks and insurance companies. They have strict selection committees and acquire only high-end properties at fair value, appraised by independent experts approved by the AMF.
04How long does a luxury viager sale take?
On average, 10 days between the file presentation and the firm purchase offer. The signing of the authentic deed at the notary’s office then follows the standard procedure (around 2 to 3 months for administrative checks). This is much faster than a traditional sale on the market.