Frequently asked questions and answers

The agreement is read and signed in a notary's office, which is a guarantee of security and that it complies with applicable legal regulations.

No, the lifetime annuity paid by the Filar Mortgage Fund is independent of the benefits from the Social Insurance Institution and received allowances. Receiving a lifetime annuity does not affect the pension, and the pension will still be paid as before. A lifetime annuity is an excellent way to supplement pension with an additional, constant, tax-free amount paid for life.

Yes, a lifetime annuity is also an excellent way to settle debts. With the possibility of receiving an additional lump sum at the start of the agreement, it is possible to repay debts, settle with relatives, pay for surgeries, rehabilitation or finance the trip of a lifetime. It is up to you what you use the paid money for.

The Filar Mortgage Fund allows renting the flat and deriving financial benefits from it. Our Clients receive a lifetime annuity and can also earn rental income. This way, they retain the possibility of returning to their flat.

Yes, if the daughter joins the agreement with her parents. This is a decision that needs to be made together.

No, there is no such limit. Even if the total value of the paid annuity exceeds the property value specified in the agreement, the Filar Fund is obliged to pay the lifetime annuity benefit. The annuity is paid for life.

The Filar Fund is obliged to pay the rent for the property on time. As the client remains the lifetime user, the rent is settled monthly from the annuity.