Why choose viager

A solution designed for senior homeowners

Stay in your home

With occupied viager, you sell your property while keeping your right of use and habitation for life — no obligation to move out.

Guaranteed, insured income

Your monthly annuity is protected by a dedicated insurance mechanism against the risk of the buyer defaulting.

Notarized contract

Every sale is signed before a Lebanese notary and recorded with the Land Registry, with legal support from our team.

Generate additional income

With free viager, instead of renting out or selling a property you no longer use, you sell it in exchange for a substantial annuity for the rest of your life.

Index-linked annuity

Your annuity is indexed annually to keep pace with the cost of living.

Personal support

A dedicated Liban Viager advisor guides you from the initial estimate to signing, and remains your point of contact for the entire life of the contract.

Occupied Viager

Turn your property into guaranteed monthly income for life, while staying in your home.

The Occupied Viager is the best solution to secure a comfortable, worry-free retirement.

✓You receive a lump sum immediately (the Bouquet)
✓You continue to live in your home, among your furniture, your surroundings and the things you love, for the rest of your life
✓You receive a guaranteed, index-linked monthly annuity that helps you cover your everyday living costs for the rest of your life

Simulator

Choose the viager that suits you

This simulation lets you choose and configure the viager that best suits you: occupancy discount, negotiated bouquet, then conversion into an annuity based on remaining life expectancy at a standard discount rate of 8%. Results are purely indicative, ahead of any contractual proposal.

Type of viager

Market value of the property (USD)

Surface area (m², optional) If provided, this is used only to display the price per m² corresponding to the market value entered, for comparison with the market.

Monthly rental value (USD, optional) If known, this theoretical rent is used to calculate the property's actual rental yield and refine the occupancy discount (DUH). If left blank, a default yield of 5% is used.

Seller's age (the younger of the two, if a couple)

Seller's gender The remaining life expectancy used in the calculation depends on both the age and gender entered here.

Desired bouquet20%

A larger bouquet share mechanically reduces the monthly annuity, and vice versa. The bouquet is calculated on the property's market value (full price), not on the occupied value.

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Estimated monthly annuity

Bouquet (cash)—

Occupancy discount (DUH)—

Rental yield—

Final value after discount—

Remaining life expectancy used—

Illustrative simulation. Does not constitute an offer. A personalized assessment by our team is required before any signature.

Full transparency

Breakdown of transaction fees

Beyond the bouquet and the annuity, here are the actual costs borne by each party — including the non-payment insurance premium, paid by the buyer on top of their annuity and with no impact whatsoever on what you receive.

Fees borne by the buyer

Liban Viager commission (3.5% of bouquet + capitalized annuity)—

Registration and notary fees (2.5%, buyer's share)—

Non-payment insurance premium
(4.5% of the annual annuity)——

Total due at signing (bouquet + fees)—

Actual monthly cost (annuity + insurance premium)—

Fees borne by the seller

Liban Viager commission (2.5% of bouquet + capitalized annuity)—

Registration and notary fees (2.5%, seller's share)—

Effect of the insurance premium on your annuityNone — paid by the buyer

Fee savings compared with a classic sale at market value

Buyer

FeesSavings

Broker commission (2.5% of market value)——

Registration fees (2.5% of market value)——

Seller