{"id":1229,"date":"2023-12-13T16:23:27","date_gmt":"2023-12-13T15:23:27","guid":{"rendered":"https:\/\/viager20.fr\/?page_id=1229"},"modified":"2025-12-18T17:34:44","modified_gmt":"2025-12-18T15:34:44","slug":"selection-table-mortalite-calcul-esperance-vie","status":"publish","type":"page","link":"https:\/\/viager20.com\/index.php\/selection-table-mortalite-calcul-esperance-vie\/","title":{"rendered":"Le(s) cr\u00e9direntier(s)"},"content":{"rendered":"\n

Dans Valoriser un Viager<\/a>, l’\u00e9cran ci-dessous permet de renseigner l’\u00e2ge (atteint pendant l’ann\u00e9e civile en cours) et le sex du couple de cr\u00e9direntiers. Dans cet exemple, les deux membres du couple sont de sexes diff\u00e9rents. Mais Viager 2.0<\/em><\/strong> propose aussi une valorisation pour les couples de m\u00eame sexe .<\/p>\n\n\n

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Viager 2.0<\/em><\/strong> offre surtout la possibilit\u00e9 de s\u00e9lectionner la table de mortalit\u00e9, pour qu’elle refl\u00e8te l\u2019esp\u00e9rance de vie des cr\u00e9direntiers, selon le Principe V<\/a>. Est-ce bien le cas ici ?<\/p>\n\n\n\n

La table TGH05-TGF05 est \u00e9labor\u00e9e \u00e0 partir d’une population de rentiers<\/strong> dont l\u2019esp\u00e9rance de vie est sup\u00e9rieure \u00e0 la moyenne<\/a>. En effet, ces individus sont g\u00e9n\u00e9ralement en bonne sant\u00e9 au moment de l\u2019acquisition de leur rente et b\u00e9n\u00e9ficient souvent d\u2019une situation financi\u00e8re confortable. Il en va de m\u00eame pour les cr\u00e9direntiers<\/strong>. Dans cet exemple, ils sont probablement ais\u00e9s car la valeur de leur bien d\u00e9passe la moyenne nationale.<\/p>\n\n\n\n

Viager 2.0 <\/em>permet de comparer les esp\u00e9rances de vie selon les diff\u00e9rentes tables. <\/p>\n\n\n\n

Pour ce couple, l’esp\u00e9rance de vie varie de cinq ans selon la table choisie. <\/strong>\u00c0 20.5 ann\u00e9es, la Table INSEE 2019 la sous-estime probablement car elle n’extrapole pas la mortalit\u00e9 future ; l’esp\u00e9rance de vie avec la table TGH05-TGF05 est de 25.8 ans.<\/p>\n\n\n\n

Les Tables TGH05-TGF05 sont a priori mieux adapt\u00e9es.
Mais elles peuvent surestimer l’esp\u00e9rance de vie du cr\u00e9direntier, pour des biens de faible valeur.<\/p>\n\n\n\n

<\/div>\n\n\n\n

On peut simuler l’esp\u00e9rance de vie avec les diff\u00e9rentes tables de mortalit\u00e9. Une fois la table de mortalit\u00e9 choisie, on appuie sur le bouton “CONFIRMEZ VOTRE CHOIX<\/strong>“. Le choix de la table ne pourra alors plus \u00eatre modifi\u00e9.<\/p>\n\n\n

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<\/p>\n","protected":false},"excerpt":{"rendered":"

Dans Valoriser un Viager, l’\u00e9cran ci-dessous permet de renseigner l’\u00e2ge (atteint pendant l’ann\u00e9e civile en cours) et le sex du couple de cr\u00e9direntiers. Dans cet exemple, les deux membres du …<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth.php","meta":{"footnotes":""},"class_list":["post-1229","page","type-page","status-publish","hentry"],"yoast_head":"\nS\u00e9lectionner la table de mortalit\u00e9<\/title>\n<meta name=\"description\" content=\"On montre comment s\u00e9lectionner de la table de mortalit\u00e9 et calculer l'esp\u00e9rance de vie selon l'\u00e2ge et le sexe des cr\u00e9direntiers\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/viager20.com\/index.php\/selection-table-mortalite-calcul-esperance-vie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"S\u00e9lectionner la table de mortalit\u00e9\" 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