Skip to content Do you own property on the Île de Ré and wish to remain there as long as possible, without the burden of renovations or future age-related expenses? A life annuity sale offers the perfect solution: stay in your home while receiving a lump sum payment and a regular income supplement. Henault Immobilier will guide you through every step, with the support of a group specializing in life annuities.
A life annuity is a real estate sale in which the price is not paid in a single lump sum, but in the form of a capital payment made upon signing (the bunch) and a annuity paid to the seller until the end of his life. The buyer becomes the owner upon signing the deed, but generally only has full use of the property upon the seller's departure (occupied life annuity).
This is an increasingly popular solution for aging well at home : it transforms real estate assets into income, without having to move.
The most common scenario. The seller continues to live in the property until the end of their life (right of use and habitation). The price is reduced by the value of this occupancy, which explains the lower initial payment and annuity.
The buyer can take possession of the property immediately (live in it or rent it out) upon signing. This is less common and concerns sellers who no longer occupy the property.
An intermediate formula, suitable for certain specific situations. In all cases, the buyer becomes the owner as soon as the deed of sale is signed.
On an island where land is scarce and in high demand, life annuities offer particular advantages:
Continue to enjoy your home, your village and the island of Ré, without having to move or change your habits.
The bouquet, paid upon signing, can be used to help one's children during one's lifetime or to finance one's own projects according to needs.
The annuity, paid monthly or quarterly, is reviewed annually and benefits from tax allowances.
According to the terms of the contract, certain heavy work and expenses can be transferred to the buyer, thus easing your budget.
Properties located on the island of Ré attract strong demand, including for life annuities, which secures and facilitates your project.
Organize the transfer of your assets during your lifetime, in complete transparency, and spare your loved ones the hassle of managing a sale afterwards.
A life annuity is also a investment strategy : acquire a property on the island of Ré by spreading out the payment, without necessarily resorting to a traditional bank loan, while building up assets in one of the most sought-after markets on the Atlantic coast.
If you are looking for a life annuity property on the island, tell us about your project: we will inform you of opportunities that match your criteria.
A life annuity sale is a complex transaction, involving both legal and tax implications. Henault Immobilier will assist you with the support of a... group specializing in life annuities :
Ideally located in the heart of Île de Ré, this agency serves the most sought-after areas. It's the perfect strategic starting point for finding contemporary villas or family homes near the beaches.
Our historic agency is located in La Couarde-sur-Mer. Perfect for exploring character properties, authentic village houses and properties close to the ocean in an area prized for its relaxed lifestyle.
Located near the island, our office offers immediate expert advice upon your arrival. Our teams will advise you with the same high standards for your investment, life annuity, or second home projects.
A successful sale starts with the first details! ✨
Before the visits, a few simple steps can make all the difference:
• Declutter and organize spaces
• Let in as much natural light as possible
• Pay attention to the small details and finishing touches
• Highlighting the exteriors
The goal? To create a real emotional connection and allow future buyers to more easily envision themselves living there.
📍 On Île de Ré, every property has its own story. At Hénault Immobilier, we support you in making your sale a reality.
Are you considering selling your property? Let's talk about your project!
📩 Contact us or visit www.henaultimmo.com
#real estate #real estate agency #ilederé #charentemaritimetourism
During this awareness month, even our island is showing its solidarity 🎀
As the sun sets over the Île de Ré, the sky and sea are bathed in soft pink hues. A natural spectacle that resonates with this campaign dedicated to the fight against breast cancer.
At Hénault Immobilier, we wish to support this mobilization and to show our solidarity with all those affected, directly or indirectly, by the disease.
Because prevention is essential, let's remember the importance of screening and continue to take care of each other.
#octobrerose #sensibilisation #dépistage #ilederé
🚨FOR SALE | SAINTE-MARIE-DE-RÉ
Nestled in the heart of a quiet, flower-lined alley, this village house with 111 m² of living space offers a charming retreat, just steps from the church steeple…
Behind its discreet facade lies a house designed for a gentle and comfortable lifestyle, offering a beautiful living room with a wood-burning stove and a semi-open kitchen. Upstairs, three bedrooms, one with an en-suite shower room, and a second shower room with WC, create a sleeping area that is both comfortable and private.
Outside, the west-facing, flower-filled courtyard invites you to enjoy the beautiful days on the Île de Ré. A garden shed, a workshop, and a bedroom upstairs complete this property with its many possibilities.
A house full of character, where you can find everything that makes up the charm of the art of living in Sainte-Marie-de-Ré.
111 m² of living space - 3 bedrooms + 1 in an annex
Price: €738,400 (agency fees included)
Energy Performance Certificate (EPC): C | Greenhouse Gas Emissions (GHG): A
📩 For more information or to arrange a visit, contact Hénault Immobilier.
#real estate #real estate agency #ilederé #charentemaritime
The sound of the waves, the horizon stretching as far as the eye can see, the light reflecting on the ocean… 🌊
On the Île de Ré, the sea is much more than a landscape. It accompanies the days, invites you to slow down and offers that precious feeling of living close to what is essential.
One morning facing the ocean.
A walk with your feet in the water.
A sunset on the horizon.
And that gentleness that you can't find anywhere else…
What if your everyday life looked like this? ☀️
📩 Hénault Immobilier: www.henaultimmo.com
#real estate #real estate agency #ilederé #charentemaritime
⛵️LA FLOTTE, THE ÎLE DE RÉ IN ITS PUREEST FORM…
Its narrow streets lined with white houses, its lively port, its market, its flowery alleyways… La Flotte-en-Ré seduces with its authentic charm and unique atmosphere.
Here, you can stroll along the harbor, linger on a terrace, discover small shops, and simply enjoy the gentle rhythm of island life. ☀️
A village full of character, combining heritage, a gentle way of life and the art of living on the Île de Ré.
And you, what's your favorite spot on Île de Ré? Tell us in the comments 👇
#LaFlotteEnRé #IleDeRé #CharenteMaritime #ArtDeVivre #IReal Estate
☀️ FOR SALE | LA NOUE, SAINTE-MARIE-DE-RÉ
Just steps from the sea and shops, this superb contemporary house opens the doors to a privileged lifestyle in the heart of Sainte-Marie-de-Ré.
From the very first moments, it captivates with its generous volumes, its brightness and its refined atmosphere, where comfort and a gentle way of life meet.
The property boasts a remarkable living space arranged around three areas: a kitchen, a living room with a fireplace, and a dining room. It also offers four bedrooms, including a master suite, an office, as well as a garage and parking spaces.
Outside, the secluded garden and swimming pool create a true haven of tranquility. Lunch under the covered terrace, a few laps in the pool, an evening by the fireplace… here, every moment invites you to fully enjoy the art of living on the Île de Ré.
An elegant and timeless property, designed to fully enjoy the Île de Ré.
🏡 182 m² of living space - Plot of 792 m² - Swimming pool - Garden without overlooking - Beautiful living room - 4 bedrooms including 1 master suite - Office - Garage and parking spaces.
Price: €2,145,000 (agency fees included)
Energy Performance Certificate (EPC): C | Greenhouse Gas Emissions (GHG): B
📩 For more information or to arrange a visit, contact Hénault Immobilier.
#immobilier #ilederé #charentemaritime #immobiliereagence
Selling a property on Île de Ré is much more than a simple transaction. It's a project that requires precise knowledge of the area, a thoughtful valuation, and attentive support.
At Hénault Immobilier, we put our local expertise and our knowledge of the Ré market at the service of each project.
4 commitments that make a difference:
→ In-depth expertise on the Île de Ré
→ A fair price estimate
→ Personalized support at every stage
→ A demanding presentation of your property
Because every property is unique, your project deserves an equally unique approach.
Are you considering selling your property on Île de Ré?
📲 Contact Hénault Immobilier to discuss your project!
#real estate #ilederé #prestige real estate #real estate agency #charentemaritime
FOR SALE — La Flotte-en-Ré ☀️
There are some houses that you can easily imagine yourself living in. This is one of them.
In the heart of a quiet area of La Flotte, a few minutes' walk from the port, shops and the beach, discover this 149m2 house, where the good life and conviviality meet.
Outside, a beautiful landscaped garden unfolds in several distinct areas, allowing you to savor every moment of the day. Inside, light floods each room, creating an atmosphere where elegance, comfort, and functionality blend seamlessly.
A house where you feel like you're on vacation... all year round!
🏡 149 m2 of living space • 662 m2 plot • 4 bedrooms including 2 master suites • swimming pool • garage and parking spaces
📲 For more information, contact us!
#ilederé #real estate agency #real estate #charentemaritime
Are you considering buying or selling a property on the Île de Ré through a life annuity? Let's talk. Our consultation is free, without obligation, and confidential.
annuitant : the seller of the property in a life annuity (the one who receives the annuity).
Debtor : the purchaser of the property (the one who pays the annuity).
Bunch : the portion of the price paid in cash by the buyer on the day of signing the authentic deed.
Life annuity : the regular income paid by the buyer to the seller until the end of their life. Paid monthly or quarterly as agreed between the parties, reviewed annually, it benefits from tax allowances.
The initial payment is the portion of the price paid in cash by the buyer on the day the deed is signed. The remainder of the price is paid as a life annuity until the seller's death.
Yes, that's the principle of the occupied life annuity, the most common: the seller retains the right to live in their home until the end of their life, while receiving a capital sum and an annuity.
The annuity is subject to tax, but benefits from allowances that increase with the annuitant's age at the time of sale. A personalized study allows for a precise assessment of its impact.
In an occupied life annuity, the seller continues to live in the property; the buyer only gains possession upon their departure. In a vacant life annuity, the buyer can dispose of the property (live in it or rent it out) immediately upon signing.
The allocation of responsibilities is stipulated in the deed of sale. Generally, the seller who occupies the property retains responsibility for routine maintenance and repairs, while major repairs may fall to the buyer. Each contract is tailored to the specific circumstances.
The value depends on the property price, the seller's age, and the type of life annuity. Henault Immobilier conducts a free, personalized life annuity assessment, supported by a specialized team.
