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Annuity. Annuity Agreement

A set of standard forms under the legislation of the Russian Federation

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Russian legal model • three types of contract • parties protection • digital circuit PPA Rent Framework 1.0

Transfer of property in exchange for periodic payments or maintenance

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Consisting of:

1. Permanent Rent Contract

2. Contract of lifetime rent

3. Lifetime Maintenance with Dependency

The working legal model. Before signing a specific transaction, the conditions must be adapted to the object, the composition of the parties, family status, tax consequences and the requirements of the notary.

Updating the legal framework: August 2026.

Explanations for use

This set contains three separate models of the contract. Their provisions should not be mechanically combined into one contract: permanent rent, life rent and life maintenance with dependents are governed by different norms of the Civil Code of the Russian Federation.

The rent contract is subject to notarization. In case of alienation of real estate, the transfer of ownership is subject to state registration. A specific version of the contract and a package of documents should be previously agreed with the notary.

The square brackets [q] indicate the fields that need to be filled or replaced.

If the property is transferred under the payment of rent for a fee, the relevant rules on the purchase and sale also apply; in the case of free transfer, the rules on donation insofar as this is compatible with the nature of rent.

Form 1. Permanent Rent Contract

Mr. [?] "___" __________ 20__ g.

[First name/name], [passport/registration data], hereinafter referred to as “Agent”, on the one hand, and [First name/name], [passport/registration data], hereinafter referred to as “Agent”, on the other hand, collectively referred to as “Parties”, have concluded this Agreement.

1. Subject of the contract

1.1. The Rent Recipient transfers to the Rent Payer the property specified in paragraph 1.2 of this Agreement, and the Rent Payer undertakes to pay the Rent Recipient a permanent rent for an indefinite period on the terms of this Agreement.

1.2. Property: [detailed description of the object, address, cadastral number / identifiers of movable property, title document, area, purpose, other characteristics].

1.3. The property is transferred [for a fee of ______ rubles / free of charge].

1.4. The right of ownership of the recipient of the rent on the property is confirmed: [?]

1.5. As of the date of conclusion of the Agreement, the property [is not / is] under arrest, pledge, prohibition, dispute or other encumbrance, except: [-]

2. Amount, form and terms of rent payment

2.1. The size of the permanent rent is ________ (__________) rubles per month, but in any case not lower than the minimum level established by mandatory legislation.

2.2. The rent shall be paid [monthly/quarterly] not later than the number of the relevant period by transferring funds to the Rent Recipient's account: [bank details].

2.3. By written agreement of the Parties, the monetary payment may be fully or partially replaced by the provision of things, the performance of works or the provision of services corresponding to the cost of the established amount of rent, if this is allowed by law.

2.4. The amount of rent shall be increased in cases and in the manner expressly provided for by law. The parties may additionally establish indexation: [ICP / fixed percentage / other formula], if such a formula does not worsen the position of the Rent Recipient in comparison with the mandatory requirements of the law.

2.5. The obligation is considered fulfilled on the date of crediting of funds to the account of the Rent Recipient or on the date of signing the document confirming the proper non-monetary performance.

3. Transfer of property and state registration

3.1. Transfer of property is executed by the Act of acceptance and transfer, which is an integral part of the Agreement.

3.2. If the subject of the Agreement is real estate, the Parties shall ensure the submission of documents for state registration of the transfer of ownership in the manner prescribed by law.

3.3. Expenses for notarization and state registration shall be borne by [rent payer / Rent recipient / Parties equally / other: ).

4. Maintenance of rents

4.1. When transferring real estate, the rights of the Rent Recipient are ensured in accordance with the law, including the right of pledge for the transferred property.

4.2. If money or other movable property is transferred under the payment of rent, the Rent Payer provides the following security: [guarantee / independent guarantee / pledge / liability risk insurance / other acceptable security].

4.3. The Rent Payer is obliged to immediately notify the Rent Recipient of the loss, termination or significant deterioration of the security.

5. Rights and obligations of the parties

5.1. The rent payer is obliged to pay rent in full and on time, not to take actions aimed at concealing property from the security provided by law, and to provide documents confirming the execution.

5.2. The recipient of the rent has the right to demand proper execution, to receive supporting documents, to use the methods of protection provided for by law and the Contract.

5.3. The rent payer has the right to alienate the property encumbered by rent, only taking into account the consequences established by law, and is obliged to disclose the existing encumbrance to the acquirer.

6. Responsibility

6.1. For the delay in the payment of money, the Rent Payer shall pay interest and / or a penalty in the amount established by law and this Agreement:

6.2. The payment of sanctions does not relieve the fulfillment of the basic obligation.

6.3. The party that has violated the Agreement shall compensate the other party for documented losses in the part to be reimbursed by law.

7. Redemption of constant rent

7.1. The rent payer has the right to buy permanent rent in the cases and in the manner prescribed by law and this Agreement.

7.2. The recipient of the rent has the right to demand rent redemption in cases stipulated by law, including a significant delay, violation of security and other circumstances established by law.

7.3. The repurchase price shall be determined in accordance with the law and the terms of this Agreement: [formula/sum, if applicable].

7.4. The condition of refusal of the Rent Payer from the right to redemption for a period exceeding the limits allowed by law does not apply.

8. Assurances of the parties

8.1. Each Party shall confirm the existence of the necessary legal capacity and powers for the conclusion of the Treaty.

8.2. The recipient of the rent confirms that he acts voluntarily, understands the legal consequences of the alienation of property and is not under the influence of delusion, deception, threat or violence.

8.3. The parties confirm that they explain the legal and property consequences of the rent contract.

9. Modification and termination of the contract

9.1. Changes to the Agreement are made in the form required by law for the corresponding change.

9.2. The contract is terminated on the grounds provided by law and this Agreement.

9.3. A material breach of obligations entitles the injured Party to use legal remedies, including avoidance, annuity and damages claims, where applicable.

10. Dispute resolution

10.1. Disputes are resolved through negotiations, and if the agreement is not reached, in court in accordance with the rules of jurisdiction and jurisdiction established by the legislation of the Russian Federation.

10.2. The claim procedure shall apply if it is required by law or provided for by a separate agreement of the Parties.

11. Final provisions

11.1. The contract shall enter into force from the moment of its notarization, unless the law or the nature of the relevant legal relationship provides for another moment of occurrence of individual rights.

11.2. In terms of the transfer of the right to real estate, legal consequences arise taking into account the requirements of state registration.

11.3. Inherent applications: Act of acceptance-transfer; description of property; schedule of payments; security documents; other applications [?].

11.4. The contract is drawn up in the number of copies required for the Parties, the notary and other persons / bodies in accordance with the applicable procedure.

12. Details and signatures

Rent Recipient[Name/name] [passport/OGRN] [address] [phone/e-mail] [bank details] Signature: ____________
Rent Payer[Name/Name]
[passport/OGRN]
[address]
[phone/e-mail]
[bank details]

Signed: ____________

Form 2. Contract of lifetime rent

Mr. [?] "___" __________ 20__ g.

The [name of the citizen], referred to as the "rent recipient", and the [name], referred to as the "rent payer", have concluded this Agreement.

1. Subject of the contract

1.1. The Rent Receiver shall transfer the Rent Payer to the property: [ ], and the Rent Payer undertakes to pay the Rent Receiver periodically a lifetime rent during the life of the Rent Receiver.

1.2. If the rent is established in favor of another citizen or several citizens, indicate: [name, date of birth, share in the right to receive an rent].

1.3. The property is transferred [for a fee / free of charge].

1.4. The right to property is confirmed: [ ].

2. Amount and manner of payment

2.1. Lifetime rent is paid in cash in the amount of ________ rubles per month or in another amount allowed by law and agreed by the Parties.

2.2. If the property is transferred free of charge, the amount of the lifetime rent may not be below the statutory minimum level.

2.3. Payment shall be made at the end of each calendar month not later than [?] the date, unless another term is established by law or this Agreement.

2.4. Payments are credited to the account: [ ].

2.5. The indexation established by law is applied automatically.

3. Transfer of assets

3.1. The transfer is made by the Act of acceptance-transfer.

3.2. With real estate, the Parties shall ensure state registration of the transfer of ownership.

3.3. The costs are: [ ].

4. Security

4.1. When transferring real estate, the rights of the Rent Recipient are secured in accordance with the law.

4.2. For movable property, the Payer provides security for: [ ].

5. Rights, obligations and restrictions

5.1. The rent payer is obliged to pay rent in a timely manner and maintain the security provided by law.

5.2. The recipient of the rent has the right to demand the termination of the Agreement in case of a significant violation by the Payer of its obligations in cases provided for by law.

5.3. The death of the last Rent Recipient terminates the obligation to pay lifetime Rent.

5.4. The risk of accidental death or damage to property transferred for payment of a lifetime rent does not in itself exempt the Payer from obligations, unless otherwise directly follows from the law.

6. Liability and termination

6.1. For late payments, the Payer is liable in accordance with the law and this Agreement.

6.2. In case of a significant violation of the Agreement, the Rent Recipient has the right to use the methods of protection established by civil law, including the requirements specifically provided for lifetime rent.

6.3. The consequences of the termination are determined by the applicable rules of the Civil Code of the Russian Federation and the actual conditions for the transfer of property.

7. Assurance and voluntariness

7.1. The recipient of the rent confirms that the meaning of the transaction is clear, the alienation of the property is voluntary, and the size and nature of the counter provision to them are estimated.

7.2. The renter confirms the availability of financial ability to fulfill long-term obligations.

7.3. The parties agree with the notarization of the circumstances of the transaction to the extent provided by law.

8. Disputes and final clauses

8.1. Applicable law is the legislation of the Russian Federation.

8.2. Disputes are considered by the competent court of the Russian Federation.

8.3. This Agreement is subject to notarization.

8.4. Annexes: description of the property; The act of acceptance-transfer; payment details; security documents; [other].

9. Details and signatures

Rent Recipient[Name] [passport] [address] [account] Signature: ____________
Rent Payer[Name/Name]
[passport/OGRN]
[address]
[account]

Signed: ____________

Form 3. Lifetime Maintenance with Dependency

Mr. [?] "___" __________ 20__ g.

The [name of the citizen], referred to as the "Recipient of the Contents", and the [name], referred to as the "Content Payer", have concluded this Agreement.

1. Subject of the contract

1.1. The recipient of maintenance shall transfer the real property to the Payer of maintenance: [type of object, address, cadastral number, area, assignment, basis of right], and the Payer of maintenance shall undertake to maintain the Recipient of maintenance with dependents for life.

1.2. The transfer of real estate is carried out [free of charge / for a fee of ?], taking into account the legal nature of this Agreement.

1.3. The content is provided in the scope and forms established by this Agreement, subject to a mandatory minimum level provided by law.

2. Composition and cost of maintenance

2.1. The content payer provides:

• residential premises or retains the right of residence for the Recipient in the facility under the terms of this Agreement;

• food and purchase of products in the agreed volume;

• clothes, shoes and necessary household goods;

• payment of utility and operating costs in the agreed part;

• care, household assistance and support;

• payment of medicines and medical services in the agreed amount, if such expenses are not covered by other sources;

• if necessary - organization of ritual services within the agreed cost;

• other services: [?].

2.2. The total cost of maintenance per month is estimated by the Parties at ________ rubles, but cannot be lower than the minimum amount established by law.

2.3. The parties shall confirm the performance: checks, receipts, bank documents, acts of rendered services, electronic performance journal or other evidence.

2.4. By agreement of the Parties, the in-kind content may be completely or partially replaced by periodic cash payments, if such replacement is allowed by law and is directly formalized.

3. Right of residence and use

3.1. The recipient retains the right to live for life in the [object/part of the object]: [?], unless otherwise follows from the agreed model of the transaction.

3.2. The payer of the content shall not have the right to create obstacles to the lawful residence and use of the Recipient of the content.

3.3. The procedure for access by third parties, repair, use of common premises and payment of expenses: [?].

4. Real estate management

4.1. The payer of maintenance has the right to alienate, pledge or otherwise encumber real estate only if the restrictions established by law for life maintenance with dependents are observed.

4.2. The recipient of the content consents to legally significant actions only in the form and cases where such consent is required by law.

4.3. The payer is obliged to take measures that exclude a decrease in the value of the property due to improper treatment of it.

5. Procedure for performance of duties

5.1. No later than [b] of the number of the Parties may sign the Act of performance of maintenance duties.

5.2. Refusal to sign the Act does not automatically mean the absence of execution; each Party has the right to confirm the circumstances with other admissible evidence.

5.3. Emergency expenses exceeding ______ rubles are agreed in advance, except in cases of threat to the life and health of the Recipient.

6. Substantial breach and termination

6.1. A significant violation may be recognized as a systematic failure to provide maintenance, long delays in mandatory payments, obstruction of residence, cruel or degrading treatment, as well as other violations that under the law and circumstances of the transaction give grounds for termination.

6.2. In case of a significant violation by the Payer of its obligations, the Recipient of the content has the right to demand the return of real estate or payment of the redemption price in cases and in the manner prescribed by law.

6.3. The specific consequences of termination shall be determined by law, the terms of the Agreement and a judicial act or agreement of the Parties, if it is permissible.

7. Additional guarantees

7.1. At the request of the Parties, a trusted contact person of the Recipient of the Content may be appointed: [Name, telephone], who is entitled to receive notifications, but does not replace the Recipient in the exercise of his rights without proper authority.

7.2. The parties may provide insurance of property, civil liability and other risks: [-].

7.3. All cash expenses are recommended to be carried out non-cash or confirmed by primary documents.

8. Personal data and privacy

8.1. The parties process personal data only to the extent necessary for the conclusion and execution of the Agreement, notarization, state registration and protection of rights.

8.2. Medical information is disclosed only to the extent necessary for the performance of a specific duty and if there is a legal basis.

9. Disputes and final clauses

9.1. The agreement is governed by the legislation of the Russian Federation.

9.2. The contract is subject to notarization.

9.3. The transfer of ownership of real estate is subject to state registration.

9.4. Applications: description of the object; Act of acceptance-transfer; list of services and their cost standard; schedule/register of care; payment details; consents and other documents.

10. Details and signatures

Recipient of Content[Name] [passport] [address] [account] Signature: ____________
The Maintenance Payer[Name/Name]
[passport/OGRN]
[address]
[account]

Signed: ____________

Annex 1. Act of acceptance and transfer of property

to the [permanent / life annuity / life maintenance with dependent] contract from "___" _________ 20 _____

1. The receiver handed over, and the Payer accepted the property: [full description].

2. Status of property at date of transfer: [ ].

3. Documents and supplies are provided: [ ].

4. Claims by status/completeness: [no/available: ].

5. This Act is made in [ ] copies.

Translated[Name] Signature: ____________
Accepted[Name/Name]
Signed: ____________

Annex 2. Object card and transactions

Type of contract[permanent/lifelong/dependent maintenance]
Object[●]
Address[●]
Cadastral number[●]
Area[●]
Legal document[●]
The cost of the object by agreement[●]
Transmission[for a fee / free]
Rent / content[●]
Indexing[●]
Method of payment[●]
Resource provision[●]
Right of residence[●]
Notary[●]
Date of certification[●]
EGRN Registration[●]

Annex 3. Checklist before a notary

Determine the exact type of rent and do not mix the regimes of different contracts.

Check the legal capacity / capacity of the parties and the powers of representatives.

Get the current EGRN statement and title documents.

Check encumbrances, prohibitions, arrests and the rights of third parties.

Determine whether the consent of the spouse or other person is required.

Agree whether the property is transferred for a fee or free of charge.

Record the size of the rent/cost of content and the order of indexation.

Agree on enforcement of obligations.

For lifelong maintenance, describe in detail the actual composition of the services.

To coordinate the right of residence, the procedure for payment of utility costs and repair.

Determine the distribution of notarial and registration costs.

Check the tax implications for both parties.

Prepare bank details and provable method of payment.

Agree applications, acts and evidence of execution.

Before signing, get the final version of the notary.

Legal framework

The Civil Code of the Russian Federation (part two), Chapter 33 "Rent and life maintenance with dependence", including general provisions on the contract of rent and special provisions on permanent rent, life rent and life maintenance with dependence.

When preparing a specific transaction, it is necessary to use the current version of the legislation on the date of certification and take into account the explanations of the notary and judicial practice.

This document is a model and does not replace the individual legal verification of a particular transaction.

Source materials

Originals and versions of the document

  • Договор_ренты_комплект_типовых_форм.docxDOCX · main document
  • Договор_ренты_PPA_Rent_Framework.pptxPPTX · related version

Other editions in web format

Each version is disclosed separately; the sequence of the source document is saved.

RENT AGREEMENTContract_rents_PPA_Rent_Framework.pptx · web text

Russian legal model • three types of contract • parties protection • digital circuit PPA Rent Framework 1.0

Practical presentation

August 2026

What is an Rent Contract

Transfer of property in exchange for periodic payments or maintenance

1. Transfer of assets

2. Long-term commitment

3. Enhanced protection

The recipient of the rent transfers the property to the payer. For real estate, the transfer of rights is made through state registration.

The payer assumes the obligation to regularly pay rent or provide lifelong maintenance.

The transaction requires notarization. For real estate there is a special regime to ensure the interests of the recipient.

Key logic: asset → ownership → rent obligation → performance control

Three types of rent in Russian law

It is important not to mix legal regimes in one template

Constant rent

Lifetime rent

Lifetime Content

• Indefinitely

• Recipient: Citizen or Permissible NGO

• Rent repurchase possible

• Suitable for long-term income commitment

• Paid until the recipient dies

• Recipient is a citizen

• Monetary nature

• Special consequences of a material breach

• Transferred property

• Contents: housing, food, care, etc.

• Requires a detailed fixation of the scope of duties

• Most sensitive mode by execution

How to Set Up an Rent Contract

Transaction sequence from model selection to execution

1. Model

2. Object

3. Terms

4. Notary

5. Registration

Select the type of rent and parties

Check property and rights

Fix size, indexing, security

To certify the contract and the will of the parties

For real estate to register the transfer of rights

After registration, the documented execution begins: payments, services, acts, confirmations, delay control.

What must be fixed in the contract

The more precise the conditions, the lower the risk of dispute

Subject

Rent Size

Full description of property, title, status and encumbrances

Amount, periodicity, method of payment, moment of performance

Indexing

Resource provision

The mechanism of increasing payments and mandatory minimums of the law

Pledge, guarantee, surety, insurance - depending on the object

Termination

Evidence

Substantial violations, consequences, return of property or redemption

Bank documents, acts, checks, execution log, notifications

Mechanisms of protection of the recipient of rent

Rent is not an ordinary installment, but a special secured obligation

IN REAL ESTATE

IN MOVEMENT OF PROPERTY / MONEY

  • Notarization of the transaction
  • State registration of transfer of ownership
  • Special provision of the interests of the recipient on the transferred object
  • Control of subsequent orders of the object taking into account the encumbrance
  • Contractual security: pledge, guarantee, independent guarantee
  • Insurance of individual risks
  • Direct bank payment circuit
  • Deterioration notices and the right to early protection

The main principle: protection should be verifiable and act not only on paper, but also in the process of execution.

Key risks of the transaction

What most often becomes a source of conflict

For the recipient

For the payer

How to reduce risk

• Non-payment or incomplete maintenance

• Loss of control over the transferred asset

• Difficulty in proving oral agreements

• Pressure on signature or modification of conditions

• Indefinite commitment period

• Increase in maintenance costs

• Disputes over quality of care or scope of services

• Risk of termination in case of a material breach

• Detail Responsibilities

• Make non-cash payments

• Signed Acts of Execution

• Use insurance and digital event log

Lifetime content: what you need to paint in particular detail

The more natural duties - the more important the measurability of performance

Housing

Nutrition

Care

Medicine

Utilities

Repairs

Accompanying

Ritual services

It is recommended to attach to the contract “Regulations of content”: frequency, cost, cost limits, confirmation method, emergency situations.

Digital contour of execution

It does not replace notaries and EGRN, but makes the performance more transparent

Agreement

PDF/scan + props

Digital passport contract

Payments

Bank / digital ruble

  • Unique transaction ID and object
  • Information about the parties and powers
  • Schedule of payments / responsibilities
  • Automatic reminders and delay fixation
  • Hash/versionality of documents and applications
  • Separate log of approvals and changes

Services

Acts + checks

Events

Notifications and changes

Monitoring

Delays and indexing

Archive

Chronology of performance

PPA Rent Framework 1.0

Add-on for standardization, verification and scaling of rental transactions

PPA Registry

Digital Passport

Smart Rules

the Register of Contracts and Events

Passport of transaction and asset

automation of timing and indexing

Verification

Risk Score

ESG / Impact

independent verification of performance

Evaluation of payment discipline

Sustainability and social impact indicators

PPA-model should be an additional digital layer and not replace the mandatory requirements of civil, notarial and registration law.

Management architecture PPA Rent

Separation of legal, financial and digital contours

Legal Outline

Financial Outline

Digital framework

  • Notary
  • EGRN / Registers
  • Legal Review
  • Judicial protection
  • Bank / payment agent
  • Escrow or Reserve
  • Insurance
  • Indexation control
  • PPA Registry
  • Digital passport
  • Performance log
  • Verification and analytics

Checklist before signing

A minimum that should be checked before a notary

  • Rent type is selected correctly
  • Object rights confirmed
  • Checked encumbrances and rights of third parties
  • Free or paid transmission
  • The amount of rent corresponds to the law
  • Indexing is clearly described
  • Enforcement really works
  • There is a proven method of calculation
  • Annexes and acts prepared
  • Tax and family consequences are checked

The final version of a particular transaction should be checked by a notary and a specialized lawyer.

Result

A ready base for a legal transaction and a digital product

The project has formed three independent forms of the contract and the basic architecture PPA Rent Framework 1.0.

Legal package

Operating package

PPA-package

Constant rent

Lifetime rent

Lifetime Content

Acts

Object Card

Checklist

Register

Digital passport

Verification of performance

Next level of development: standard PPA Rent 1.0 + Validation Regulations + the Digital Registry + Typical scenarios for real estate, business and social assets.