no secret that seniors are among the most unprotected layers of the population.Old-age pensions have enough at best to provide the minimum needs for food and clothing, and pay utilities.Well, if an elderly person has children that help financially and physically - do repairs, go for groceries, carry on shopping.But so lucky not for everyone.Some old men-parents have adult offspring themselves constantly asking "to pay", some just do not have children, and, accordingly, there is no place to wait for support.
What you can find a way out of this situation?For example, enter into a contract of permanent rent.If the pensioner has no heirs, the privatized housing after his death, will depart the city, so it makes more sense to get the maximum benefit from the property during his lifetime.
What is a life annuity?This cash payment, which will periodically receive a person until death.The agreement of this kind is beneficial to both sides: one will receive material support, care, concern and care, which will require, and the second - the real estate at a price much lower than the market.Life annuity - a real chance to get your apartment, especially in large cities, where the price of housing rises to 5.7 million rubles.The amount of payments on an annuity contract is tied to the subsistence minimum in the subject country.Life annuity is in the presence of a notary.
However, there is at this contract and significant disadvantages.The first and perhaps most important: if a given rent apartment in which the owner resides in it, you can call only after his death.Therefore, cases in which the family for many years pays the money for the rent contract, while motayas removable apartments, are not uncommon.Another minus - indefinitely.Indeed, a person can live after the contract for three months, maybe for twenty years.And during all this time, he must repay the money to the content.
The case when life annuity has been issued between the 40-year-old man and a 92-year-old woman.Signing the contract, it is expected that soon it will become the owner of the house and be able to move into it with his family.But fate decreed otherwise.An older woman happily lived to 112 years old, and the man died at 60, and after the death of his grown-up children have continued to pay under the agreement.The house, which they had to move significantly worn during this time, also, for 20 years, the family has paid as much as would be enough to purchase 3 of these mansions.
Of course, this case - rather the exception, not the rule, however, are clear example - it is impossible to calculate how many months or years of life annuity will be paid.
for rent-receivers minus only one - there is a risk of running into criminals who, not wanting to spend the money and wait for the natural end, to expedite his departure to the other world.To this did not happen, negotiate better with good friends - neighbors, relatives, friends.The children, too, can enter into a contract of rent, particularly if they are held financially, but do not burn with the desire to help their elderly parents.Life annuity may be issued on one or several people.In this case, you can use the property after the death of the last of the agreement of the owner.
can not draw it on themselves, but on the third party.For example, children living in another country and unable to care for his mother and father, but owning property, may enter into a contract with a third party, who will receive an area in exchange for financial support and assistance to parents.Failure to comply with the conditions of the possibility of termination of the contract rents in court.
