Selling your French property in installment sale: secure transmission
You own French property and want to sell while securing a regular
income, organising transmission to your heirs, and possibly
keeping your home? The French installment sale offers a clear,
legally tested answer.
Three key benefits for the seller
An upfront capital payment at signing — the bouquet, paid in full before the notary, gives you immediate means to finance a project or support family.
Guaranteed instalments over a fixed term — you know precisely how much you receive and for how long. Payments are indexed (typically on the IRL) to preserve purchasing power.
Secured transmission to your heirs — if you pass away before the term, remaining instalments are paid to your succession. Your family does not lose out if you leave early — a major advantage over the viager.
Typical profile
Who benefits most from the installment sale?
Owners aged 55 to 75 who want to sell without sudden rupture
Parents who want to protect their children in case of early death
Sellers of valuable property who refuse to sell at a discount
Owners of secondary residences seeking regular income
Anyone for whom the pure viager creates family uncertainty
Free or occupied installment sale: which to choose?
Free installment sale
You leave the property at signing. The buyer takes possession immediately. Bouquet and instalments are calculated on the full market value. Suitable if you plan to move (family home, retirement home, abroad), if you want to be free of maintenance, or if the property is vacant.
Occupied installment sale
You keep a right of use and dwelling for all or part of the duration. Its value is deducted from the price, lowering bouquet and instalments. Suitable if you want to remain in your home while mobilising the value of your property.
Our step-by-step support
Confidential first conversation to understand your situation and objectives.
Patrimonial valuation of the property at its real worth, without flattery.
Tailored financial simulation: several scenarios (duration, occupation, bouquet/instalments mix).
Selection of qualified buyers from our network of patrimonial investors.
Introduction and negotiation under exclusive mandate, with full confidentiality.
Notarial signing and setting up of indexed payments.
Annual follow-up to verify the proper running of the contract over time.
