HOUSE FOR SALE AS A LIFE ANNUITY occupied. Close to schools, shops, and transport. 3D virtual tour on request. Patrimonial advantages of the investment and financial terms: Take advantage of an immediate discount compared to the market value of the freehold property estimated at 245000 euros. Develop your assets without risk, without rental management and at a lower cost. Indeed, during the period of occupation by a 72-year-old retiree, the investor does not bear the current repairs. According to the so-called rental breakdown, the works defined in Articles 605 and 606 of the Civil Code and the property tax will be borne by the buyer. Benefit from the enjoyment of the property at the time of its release, offering the buyer the choice of occupying it or deriving regular rental income from it. Anticipate its transfer, if necessary, at a lower cost, with reduced transfer taxes. Capture the capital gain mechanically realized on resale. Generate profitability through a tangible and secure investment with an attractive IRR. Initial capital: 43375 euros Bouquet: 25000 euros Buyer's fees: 18375 euros Monthly pension: 475 euros Property tax: 1061 euros Notary fees are calculated on the occupied value of the property, i.e. 108309 euros instead of 245000 euros. Approximately 9165 euros. Very well maintained single storey detached house in a quiet and sought-after area near Bellaing. 5 minutes from the motorway, 15 minutes from Valenciennes, 45 minutes from Lille. This house has a living area of 100 M2 and an enclosed plot of 1150 M2 Entrance which opens onto a corridor which serves: a recent fitted kitchen, large bright living/dining room with its two bay windows, WC, shower room, three bedrooms, 1 with bathroom, and access to the large garage. Gas central heating, pellet insert, air conditioning. Parking in front of the house, terrace, garden shed. Estimated average annual energy expenditure for standard use based on 2021 energy prices: DPE class D 160kwh/m2/year and GHG class D 34kg CO2/m2/year" Estimated annual energy costs of the home: between 1130 euros and 1560 euros To visit and accompany you in your project, contact Karl POTIRON, at ... or by email at ... According to article L.561.5 of the Monetary and Financial Code, for the organization of the visit, you will be asked to present an identity document. This sale is guaranteed for 12 months. This advertisement has been written under the editorial responsibility of Karl POTIRON acting as an independent real estate advisor under wage portage with the SAS PROPRIETES PRIVEES, with a capital of 40,000 euros, ZAC LE CHÊNE FERRÉ - 44 ALLÉE DES CINQ CONTINENTS 44120 VERTOU; SIRET ... , RCS Nantes. Professional card for transactions on real estate and business assets (T) and Property Management (G) n° CPI ... issued by the Nantes - Saint Nazaire Chamber of Commerce and Industry. Escrow account n° ... BPA SAINT-SÉBASTIEN-SUR-LOIRE (44230); Garantie GALIAN - 89 rue de la Boétie, 75008 Paris - n°28137 J for 2,000,000 euros for T and 120,000 euros for G. Professional indemnity insurance by MMA Company policy no. 120.137.405 Mandate ref: 360528 - The professional guarantees and secures your real estate project. (7.50 % agency fees including VAT, to be paid by the purchaser.)