Enjoy your golden age!
Financial freedom and independence in the familiar surroundings of your own home.
One day when I retire …
… I’ll fulfil my dreams at last! We may well all imagine our future to be like this in old age. But intentions may not necessarily become deeds. You are super fit and enterprising, you own a valuable, debt-free property and your monthly pension suffices for daily life, but the long-awaited wishes simply can’t be fulfilled for lack of money.
Benefit from the assets of your property without moving – with a secure right of residence for as long as you want!
With a deaurea real estate annuity, you can exchange your property, which will have increased significantly in value in recent years, for financial independence and a secure right of residence. You keep your own home and can enjoy your life to the fullest.
Financially strong customers purchase your house and you receive the right of residence secured in the land registry plus instant capital to realise your dreams. Depending on your wishes, you can reside in your own four walls for a limited period of time or for life.
Your benefits at a glance:
- Fulfill special wishes or top up your monthly pension
- Get the best medical care, barrier-free renovation of the property or 24-hour care at home
- Give your children and grandchildren a helping hand now that they need it, for example when buying a home
- Sleep well debt-free
- Stay economically independent with monetary reserve for the unforeseen
Comprehensive individual advice
As a partner of deaurea and as the market leader in Salzburg and in the Salzkammergut, we take complete care of the sale of your real estate with right of residence with no worries attached. Absolute discretion is our top priority. Following a detailed and free of charge consultation, we will evaluate your property in an unbiased and fair manner. Your property is just as unique and valuable for us. Together with you, we will find the right model, tailored precisely to your needs, and then make you an offer for your property, taking the right of residence into account.
Our registered buyers are financially strong, regional customers who have no intension to reside in properties such as yours but want to make long-term investments of their capital.
This is how the capital from your real estate is calculated:
The capital amount to be paid out is calculated from the value of the property minus the capitalised right of residence – limited in time or as a life estate, depending on your preference. Basically, the older you are, the less capital is deducted for the life estate – the right of residence. The higher the value of your property, the more it makes sense to consider the option of a life estate tenancy even at the age of 60 or 65.
Sale of real estate with right of residence example (click here)Your house is worth 1 million euros and you want to live in it for another ten years before moving into a retirement home. The rent for the house would be € 2,500 per month, i.e. € 30,000 per year, and € 300,000 for ten years. The right of residence deduction for your property is therefore € 300,000.
The buyer purchases your property for € 700,000 and at the same time grants you a right of use limited to ten years, otherwise free of charge, in the form of a right of residence secured in the land register. You therefore continue to live in your own home without paying rent. It is also possible to agree a lifelong right of residence with the buyer. In this case, the deduction for use is calculated according to the average statistical life expectancy of the person(s) entitled to use the property.
Your right of residence is inviolable
After selling the property, you can continue to use your own home in the usual way. Your right of residence is entered in the land registry. There are absolutely no restrictions to this right and the use of your property for the contractually agreed time or for life is guaranteed with a hundred percent certainty.
Do you still have many plans? Use the capital of your property and enjoy your golden years – you deserve it.
We are more than happy to provide you with detailed and confidential advice. Call us on +43 (0) 662-842 842, send us an email to email@example.com or use the contact form.