LA CHARITÉ-SUR-LOIRE, Burgundy 58400

iad France - Arnaud Vigneron (06 77 05 35 74) offers: Occupied life annuity H74 - Renovated house of about 104 m in the center of La Charit-sur-Loire Exclusively, sold by a man who will be 74 years old in March 2025 and who will continue to occupy the house for the rest of his life or until his early departure. Bouquet 84 800 Annuity 167 . House of about 104 m completely renovated, combining modern comfort, historic charm and luminosity, located on the right bank of the Loire. Description of the property: - the ground floor includes an entrance, a large living room, a spacious and equipped modern kitchen, a separate toilet. - on the first floor: landing leading to a bedroom, a bathroom with WC, and giving access to a south-facing roof terrace, ideal for enjoying sunny days. - on the second floor: master suite, offering calm and privacy. No work to be planned, the complete renovation dates from 2017. All the elements of the second work have been replaced (plumbing, electricity, door frames, insulation, heating, ...) as well as the framework, the roof (in local tiles) and the wall plasters. The roof terrace is an undeniable asset: relaxation area of about 21 m well exposed with stone paving, water point and electricity. Each floor has a bedroom, a bathroom and a toilet! The SNCF train station is only a 10-minute walk away. Paris is 2h30 away by train or car (close to the A77). La Charit-sur-Loire: between nature, culture and history Listed as a UNESCO World Heritage Site, La Charit-sur-Loire is an ancient Cluniac site, a testament to the city's spiritual importance in the Middle Ages. Its majestic priory, founded in the eleventh century? century, is a real invitation to travel back in time. Its cultural dynamism allows you to enjoy a cinema, a museum of the Loire and invites you to play with words during flagship events such as the Festival du Mot. Located on the way to Santiago de Compostela, this historic city is also bordered by the Loire River, offering an exceptional natural setting. Its preserved banks invite you to walk or cycle in the heart of the unique landscapes of the last great wild river in Europe. Your future home Close to shops, schools and cultural events, this house is a real favorite. Contact us now for a visit! Buying a life annuity Payment is made by the payment of a lump sum paid in cash on the day of the sale of 84, 800 (agency fees included) and then the monthly payment of a life annuity of an initial amount of 167 which will be indexed each year to the monitor the evolution of the rent reference index (IRL) Ideal for developing your real estate assets without recourse to bank credit, In this way, prepare for retirement while helping seniors to live theirs better. For the buyer, the purchase of an occupied life annuity is similar to an investment in rental property, profitable and advantageous, with a single occupant (the seller). You Buy this property for 111, 800 which corresponds to an immediate discount of 44% on the free value. In the event of early release, the buyer recovers full ownership of the house, can live in it, rent it out or resell it, and he continues to pay an increased annuity of 195 to the annuitant, which corresponds to 30% of the current rental value. The property tax and major repairs will be the responsibility of the buyer. Estimated transfer tax: 9, 700. The fees are paid by the seller. Agency fees to be paid by the seller. Energy display information on this property: ENERGY class C index 178 and CLIMATE class A index 5. Information on the risks to which this property is exposed is available on the Gorisques website: www.georisques.gouv.fr. This real estate advertisement has been written under the editorial responsibility of Mr. Arnaud Vigneron EI (ID 41886), independent real estate agent (without holding funds), commercial agent of the SAS France registered with the RSAC of Bourges under number 878930684, holder of the real estate canvassing card on behalf of the company France S