NUDA · ANNUITIES
A monthly payment for the sale of your home
Instead of cashing in everything at signing, you get a smaller upfront payment plus a monthly cheque. With a life annuity you collect for life; with a term annuity you collect for an agreed number of years. You keep the usufruct intact.
WHAT TO EXPECT
Retirement with a backstop
Stable monthly payment
The amount is locked in the contract. It doesn't depend on markets or the economy: the buyer agrees, the buyer pays.
You stay home
The usufruct keeps you in the property; nobody can ask you to leave while you live there.
Family peace of mind
Your family sees you have stable income without having to draw down anything you'd have left them.
LIFE ANNUITY
Life annuity: for as long as you live
The buyer pays you a monthly cheque for the rest of your life. The pricing uses a life-expectancy table — the older you are at signing, the higher the monthly amount per unit of price.
- No fixed end date: you collect while you live.
- The buyer takes the longevity risk — for you it's pure upside.
- A small portion is paid at signing; the rest in monthly payments.
TERM ANNUITY
Term annuity: for a defined period
If you prefer term certainty, we set a number of years (typically 10–20). You collect a higher monthly amount than a life annuity for the same price during that period.
- Higher monthly because the term is bounded.
- Useful if you plan to live in the home now and move later (e.g. to be with a child).
Life annuity or term annuity?
We'll work out which fits your age, your family situation and the liquidity you need.