Full visibility
You know at signing the total price, the duration of instalments and the exact monthly cost. No uncertainty linked to the seller's lifespan, unlike the viager.
The French installment sale is one of the rare property acquisition mechanisms that combines full visibility, no bank financing and clean taxation. For a patrimonial investor, it is a powerful diversification asset — distinct from rental, complementary to the viager.
You know at signing the total price, the duration of instalments and the exact monthly cost. No uncertainty linked to the seller's lifespan, unlike the viager.
The deferred payment is made directly to the seller, with no bank, no interest, no borrower insurance. Lower transaction cost and administrative simplicity.
As long as the seller occupies the property (occupied installment sale), there is no tenant, no rent, no payment default risk, no repair work. Minimal management.
Information for guidance only. Validate the tax consequences with your French notary and wealth adviser.