{"id":1279,"date":"2023-12-13T20:55:35","date_gmt":"2023-12-13T19:55:35","guid":{"rendered":"https:\/\/viager20.fr\/?page_id=1279"},"modified":"2025-12-18T17:09:15","modified_gmt":"2025-12-18T15:09:15","slug":"dispersion-vie-residuelle-risques","status":"publish","type":"page","link":"https:\/\/viager20.com\/index.php\/dispersion-vie-residuelle-risques\/","title":{"rendered":"Mesurer le risque de long\u00e9vit\u00e9"},"content":{"rendered":"\n

Principe VI : La dispersion des dur\u00e9es de vie r\u00e9siduelle d\u00e9termine le risque financier d’un viager.<\/h2>\n\n\n\n
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La dispersion de la vie r\u00e9siduelle du cr\u00e9direntier, autour de son esp\u00e9rance de vie, d\u00e9termine les risques financiers d’un viager.<\/p>\n\n\n\n

Avec la table de mortalit\u00e9 choisie, Viager 2.0<\/em><\/strong> calcule la probabilit\u00e9 que cette vie r\u00e9siduelle d\u00e9passe une certaine dur\u00e9e.<\/p>\n\n\n\n

La barre rouge du graphique repr\u00e9sente l’esp\u00e9rance de vie du cr\u00e9direntier. On visualise aussi la probabilit\u00e9 que le cr\u00e9direntier d\u00e9c\u00e8de avant 10 ans … ou apr\u00e8s plus de 30 ans.<\/p>\n\n\n\n

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Pour un couple (homme : 73 ans, femme : 71 ans), l’esp\u00e9rance de vie en 2025 du dernier survivant est de 25.8 ann\u00e9es, selon les Tables TGH05-TGF05. Elle d\u00e9passe donc celle de la femme seule, bien qu’elle soit plus jeune que son \u00e9poux.<\/p>\n\n\n\n

Les coefficients “Px” mesurent la dur\u00e9e de vie qui ne sera d\u00e9pass\u00e9e que dans x % des cas. Par exemple, \u00ab P10 : 32.8 ans \u00bb signifie que dans 10 % des cas, la dur\u00e9e de vie r\u00e9siduelle d\u00e9passera 32.8 ans. L\u2019un des conjoints (souvent la femme, mais pas syst\u00e9matiquement) pourrait ainsi devenir centenaire, dans un sc\u00e9nario \u00e0 la Jeanne Calment.<\/p>\n\n\n\n

Il est \u00e9galement possible d\u2019\u00e9valuer les risques financiers encourus<\/a>. Ils sont d’autant plus importants que la vie r\u00e9siduelle est al\u00e9atoire.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n

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Un viager n’est pas une transaction \u00e0 terme o\u00f9 le d\u00e9c\u00e8s du cr\u00e9direntier intervient \u00e0 l’horizon qui correspond \u00e0 son esp\u00e9rance de vie r\u00e9siduelle au moment de la vente.
Pour \u00e9valuer le risque financier d’un viager, on doit <\/strong>mesurer la dispersion de la vie r\u00e9siduelle du cr\u00e9direntier.<\/strong><\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n

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

Principe VI : La dispersion des dur\u00e9es de vie r\u00e9siduelle d\u00e9termine le risque financier d’un viager. La dispersion de la vie r\u00e9siduelle du cr\u00e9direntier, autour de son esp\u00e9rance de vie, …<\/p>\n","protected":false},"author":1,"featured_media":112,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullwidth.php","meta":{"footnotes":""},"class_list":["post-1279","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nDispersion de la vie r\u00e9siduelle et risques<\/title>\n<meta name=\"description\" content=\"La dispersion des dur\u00e9es de vie r\u00e9siduelle d\u00e9termine les risques financiers d'un viager. 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