In Envoyé Spécial, these people who make annuities for their real estate business and seem to be waiting for the owners’ deaths to earn thousands of euros shock the viewers of France 2

From the beginning of the report from “Envoyé Spécial” on the annuity, we learn that the latter is in full boom with an increase of 10% every year for two years. “Since the birth, the elderly do not want to go to a nursing home, we understand them. They want to stay at home as long as possible, ”says Anne-Sophie Lévy, director of real estate absence specializing in annuities. But the aforementioned annuity does not have very good press, Élise Lucet even evokes “a sulfur-containing reputation”, an image of “profiteering” for those who perform it. As a reminder, the annuity is the sale of real estate, where a person, generally quite old, sells his house to a third person for an annuity, while usually retaining the right to reside there. The report from “Envoyé Spécial” will not really contradict this negative trend, although everyone logically in an annuity finds his account there, as Anne-Sophie Lévy reminds: “the annuity allows the seller to stay at home and supplement his income and to the buyers to make a safe investment. ”.

In the subject “Envoyé Spécial” we discover Nathalie, who fell in love with a farmhouse. If it goes through the annuity, it is that “at 50, the banks do not lend properly. And for a house like Vincents, I would never have been able to afford it. It would have been a dream that would remain a dream for the rest of my life. ” The house is estimated at 176,000 euros. It will be sold cheaper because Vincent, 77, will occupy it until his death. If she buys this house, Nathalie will have to pay a bouquet (which can be 10,000, 15,000, 20,000 euros …), an amount determined by the two parties, and then a monthly annuity until the end of Vincent’s life. Enough for salespeople to inflate their pensions a bit. For Vincent, with the monthly pension of 570 euros, he will receive 3000 euros every month. Until his death therefore, and it is precisely there that the annuity poses a problem for many people, purely morally.

A woman strangled with madeleines

The annuity can actually be considered a bet on death. This does not stop some from making it their business, like Pascal, 52 years old. Business manager he started buying in life in 2017. Today he has four properties and plans to buy others to increase his wealth. “You have to be in love with the house in question, but above all you have to be happy with the sellers, because we have to live together for as long as possible. We will be chained until the end of one of us. Pascal is thus to visit Michel and Huguette’s apartment with terraces of 78 and 81 in Bordeaux for long-term rental. But age and state of health leave him confused. Huguette at 1700 euros pension and Michel 3400 euros. And Michel does not want Huguette left unprepared if he dies. Hence the idea of ​​the annuity. With a bouquet of 142,000 euros and a monthly pension of 992 euros. It’s too much for Pascal, who wants to reduce the return and raise the bouquet. He wants to remove the concept of “bet”. Despite his speech, viewers of “Envoyé Spécial” feel a certain uneasiness at seeing what they consider to be an “embarrassing” practice, as there are other people who help people like Pascal to achieve the right step through. life, depending on age and the possible death of the current owners. The sequel will strengthen them in their emotions.

The reaction from Isabelle, 52, Vincent’s daughter, who is therefore selling her house to Nathalie, will shock those who watch “Special Envoy”: “It first made me angry because Vendée is over, goodbye money too, as we could have recovered with my sister on the house if we thought of selling it.After reflection time, father does what he wants with his agent, it’s up to him.Vincent will share his bouquet of 25,000 euros between his daughters and his grandchildren.And will keep the monthly allowance for traveling around the world.This annuity report ends with a news: A 62-year-old man would have strangled with madeleines the person from whom he would have bought annuity when he already lived in it since the seller had entered into a nursing home.We let you discover the rest of this rather surprising affair.

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