Statistics tell us that the 73% of the Italians owns the house in which he lives. But also that Italy, according to the latest Istat data, it is the second oldest country in the world after Japan, gli over 65 represent the 22,6% of the total Italian population, who has passed the 80 years reaches the 7%.
In the light of these data, the home becomes the real asset with which to plan a peaceful old age. But with what tools?
The National Council of Notaries and Consumer Associations have prepared a multimedia guide on patrimonial instruments for the elderly. Let's see them briefly:
Bare ownership
Useful for monetizing a part of the value of the house, keeping it available for the entire residual life. Basically, the buyer has the opportunity to buy the property at an advantageous price, but the seller (the Elder) he can continue to enjoy it for his entire life or for the appointed time, as if he still owned it.
Mortgage Loan
It is a particular type of loan without installments, intended for individuals with more than 60 years of age with a title to a residential property. Read the latest interview with Dr.. Pacella
Maintenance contract
With which it is possible to sell the ownership of the house, usually reserving the lifetime usufruct, to a person who, in consideration of the sale, undertakes to assist the person who sells the property for the entire duration of his life.
Annuity for consideration
With which it is possible to transfer the ownership of the house and receive from a person (Body) a periodic sum of money with the possibility of continuing to live in the house sold through usufruct or the right to housing.
Donation with assistance burden
With which the house is given, also reserving the lifetime usufruct, with the burden of being assisted for life.
Main:
I am online 5 video to learn more about the five equity instruments, in the multimedia guide
Alex Gaetani