Liban Viager introduces the French viager model to Lebanon for the first time in a structured, insured form — so that older homeowners can turn their property into retirement income, without leaving their home.
Around 80% of Lebanese workers have no retirement coverage, and the 2019–2023 banking crisis wiped out most of a generation of retirees' dollar savings. Many hold the bulk of their wealth in a property they can neither rent out effectively nor monetize through the banking system today. At the same time, a large and increasingly affluent Lebanese diaspora is actively seeking tangible, dollar-denominated real estate investments. Liban Viager connects these two realities.
We do not purchase properties ourselves: we structure, value and document each transaction between sellers and investors, without deploying our own balance sheet.
Partnering with a Lebanese insurer to guarantee the annuity is, in our view, the prerequisite for adoption of a product with no precedent in Lebanon.
Every contract is grounded in the Lebanese Code of Obligations and Contracts (1932) and in deed templates drafted in French, English and Arabic, intended to be certified by a lawyer registered with the Lebanese Bar.
Liban Viager relies on specialized partners to secure every step of the journey — from guaranteeing the annuity to processing payments, notarial authentication, and sourcing properties on the ground.
A Lebanese insurance company guarantees payment of the annuity in the event of buyer default, protecting the seller for the full duration of the contract.
Monthly annuities are paid and secured through Whish, a widely used digital payment platform in Lebanon.
Every viager contract is authenticated by a notary registered with the Lebanese Order of Notaries, ensuring its full legal standing.
A growing network of partner real estate brokers across Lebanon helps us identify properties and support owners locally.