Your Real Estate Life Annuity with Grupo Retiro
We offer expert advice to help you optimise your financial resources and enhance your retirement income
- Helping seniors since 1996.
- Over 52,000 people have received expert advice on how to make their homes profitable.

What is a Real Estate Life Annuity?
This is a contract, formalised as a public deed before a notary, which allows an elderly homeowner to sell the Bare Ownership of their property while retaining the usufruct rights. These rights grant them continued use and enjoyment of the home for their lifetime.
In return, they will receive a monthly income and will no longer be responsible for certain housing expenses (property tax, building insurance, shared building maintenance fees, etc.).

(*) THE BUYER / INVESTOR:
(**) THE ELDERLY PERSON:
Sell your home and continue living in it for life



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Requirements for a Real Estate Life Annuity
- To qualify, you must be over 65 years old. You must be 70 or older if you wish to benefit from the 92% tax exemption on the monthly payments received through this product.
- You must be the owner of a house.
Contact us to discuss your specific case, no obligation required.
Advantages and guarantees of a Real Estate Life Annuity
Enjoy a monthly income for life, significantly enhancing your purchasing power and improving your overall quality of life.
If you decide to move to an elderly residence or care home in the future, you can waive your right of usufruct and start receiving a higher monthly income from that point onward. You also have the option to rent out the property if you prefer.
Enjoy the benefits of a substantial additional income that complements your retirement pension, enhances your quality of life, and allows you to continue living in the comfort of your lifelong home.
You will no longer have to pay property tax (Impuesto sobre Bienes Inmuebles, or IBI), extraordinary fees or home insurance.
Formalising the transaction comes at no cost to you, as all expenses, professional fees, and taxes associated with establishing the Real Estate Life Annuity will be covered.
Individuals aged 70 and older enjoy a 92% tax exemption on the monthly payments received through this product. Furthermore, if the Real Estate Life Annuity is established on a habitual residence, as the contracting party is over 65 years of age, the Sale of the Bare Ownership of the home will have no impact on your Personal Income Tax.
The Life Annuity is formalised via a Notary Public in a public deed, which is then registered in the Property Registry. You will remain listed as the holder of 100% of the usufruct of your home.
The deed includes a termination clause, providing the highest legal guarantee in the unlikely event of non-payment of rent. This ensures that the elderly person would regain full ownership of the home without being required to return any amounts already received.
Rest assured knowing that you will receive expert advice and ongoing support of Grupo Retiro, a pioneering leader in Spain since 1996, specialising in Real Estate Life Annuities for senior citizens.
Grupo Retiro, the ideal solution for your needs
Grupo Retiro is the ideal solution for your needs. Our team of experts in various fields—law, real estate, economics, and more—will work closely with you to provide the best and most beneficial solutions with your interests in mind.
Our expert team will carefully evaluate your unique situation to determine which of our specialised real estate services—Sale with Guaranteed Rent, Sale of Bare Ownership, Reverse Mortgage, or Real Estate Life Annuities—will best meet your needs and maximise your financial benefits, helping you secure the optimal solution to complement to your retirement pension.
Sale of Bare Ownership
- Transfer ownership of your home in exchange for a one-time payment and reserve the right to remain in your home for as long as you live.
Sale with Guaranteed Rent
- Sell your home and be its tenant. This will allow you to capitalise on the money obtained from the sale, without leaving your home.
Reverse Mortgage
- Special mortgage for people over 65 years of age. You will receive a fixed monthly income without having to owe any money to the bank. The debt is repaid to the bank upon the death of the holder.
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