France

France

The later life assets market in France is distinguished by a substantial senior demographic, with 6 million individuals aged 75 and above, a number expected to double by 2050. Currently, only 0.1% of these seniors are utilizing their home equity. The market is characterized by EUR 2000 billion in home equity owned by the 75+ demographic, presenting substantial investment opportunities. However, the market is limited in its offerings, primarily dominated by an older home reversion scheme called “viager.” Despite this, the volume is growing by about 7% annually. EERFC connected originators have access to over 100 distribution partners, a number that is continuously growing to better source later life assets.

85%

Product Quality Index

92%

Energy Generation

Key Information

Key Information

  • 6 million seniors aged 75+, expected to double by 2050.

  • EUR 2000 billion in home equity owned by the 75+ demographic.

  • 150,000 new seniors aged 75+ per year.

  • Limited options for seniors; market dominated by the “viager” scheme.

6m+

Senior population 75+

€2k Tn

Home equity 75+

7%

Annual market volume growth

85%

Product Quality Index

92%

Energy Generation