Life annuity · Property pension · Munich
Calculate a life annuity
Property pension Munich.
Estimate an initial range for the upfront payment and monthly life annuity. The calculation clearly separates market value, the value of lifelong occupation and the capital remaining for payment.
AI generatedNon-binding estimate
Calculate a property pension for your Munich property
Your details
Indicative result
Multiplier under section 14 BewG11.270
Capital value of residence right€382,729
Available for payment and annuity€467,271
Upfront payment€233,635
Monthly life annuity€1,533
Statistical duration12.7 years
Monthly housing benefit€2,830
Non-binding model calculation. This calculator does not replace a market valuation or legal, tax and actuarial review. The personal offer may differ due to location, condition, contract terms, interest assumptions and provider conditions.
Calculation method
From property value to monthly payment
First, the unencumbered market value is considered. The local annual rental value is then capitalised using an age- and sex-dependent multiplier. This provides the modelled value of retained occupation.
The remaining amount is notionally available for the upfront payment and life annuity. The selected split changes the monthly payment but not the previously calculated capital value of the residence right.
Frequently asked questions about the calculation
How is a property life annuity calculated?
The verified market value is the starting point. The capital value of the retained residence right is deducted. The remaining amount is converted into an upfront payment and a monthly amount over the statistical duration.
Why does rental value affect the result?
Rental value represents the economic benefit of continued occupation. A higher local rent and a longer statistical period increase the capital value of the residence right.
Can I choose the upfront payment?
A combination of immediate capital and recurring payments can generally be agreed. The available split depends on the purchaser, property and contract structure.
Is the calculator result binding?
No. It is an initial indication. A personal offer requires a property valuation and checks of sustainable rent, the exact retained right, existing charges and contractual security.
How can the payment be secured?
The residence right and payment obligation can be agreed by notarial deed and secured in the land register. Priority, indexation and default provisions require individual legal review.
Can the calculation cover two people?
Joint protection is possible but needs a separate calculation based on both ages and the agreed termination of the right. The simplified online calculator therefore models one person.
