En Mas Vida We consider the following factors to calculate the monthly annuity that corresponds to you:
- Market value of the house
- House rental value
- Owner's age and gender
We obtain both the market value and the rental value of the house through appraisals issued by independent appraisal companies and approved by the Bank of Spain. With the age and sex of the owner, we consult the longevity in the tables issued annually by the National Institute of Statistics and the General Directorate of Insurance.
Knowing this data, we quantify the rent that you would have to face (up to your life expectancy) in the event that you were a tenant, and finally we discount it from the market value of the house to determine the amount that corresponds to you.