{"id":1236150,"date":"2025-02-18T09:01:13","date_gmt":"2025-02-18T08:01:13","guid":{"rendered":"https:\/\/www.serra.immo\/?p=1236150"},"modified":"2025-02-18T09:01:14","modified_gmt":"2025-02-18T08:01:14","slug":"bare-ownership-a-smart-alternative","status":"publish","type":"post","link":"https:\/\/www.serra.immo\/en\/la-nuda-propiedad-una-alternativa-inteligente\/","title":{"rendered":"Bare ownership: a smart alternative for older owners and investors"},"content":{"rendered":"

The real estate market offers multiple buying and selling options, and one of the least known but most interesting is the bare ownership<\/strong>This is a formula that allows the owner to sell his home without ceasing to live in it, an attractive solution for older people seeking liquidity and for investors who want to acquire properties at reduced prices.<\/p>\n\n\n\n

In this article, we explain how bare ownership works, what advantages it offers and what aspects you should take into account before opting for this alternative.<\/p>\n\n\n\n

What is bare ownership and how does it work?<\/h2>\n\n\n\n

When a person owns a property, he has two main rights<\/strong> about him:<\/p>\n\n\n\n

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  1. The bare ownership<\/strong>, which is the right of possession and disposition of the property.<\/li>\n\n\n\n
  2. The usufruct<\/strong>, which is the right to use and enjoy it (live in it, rent it, etc.).<\/li>\n<\/ol>\n\n\n\n

    The sale of bare ownership means that the owner gives up the right of possession<\/strong> to a buyer, but maintains usufruct, that is, he can continue living in the home until his death or during the agreed period.<\/p>\n\n\n\n

    The buyer, for his part, acquires the property at a price lower than the market price, waiting for the usufruct to expire so that he can freely dispose of the property.<\/p>\n\n\n\n

    Advantages for the seller: liquidity without losing the home<\/h2>\n\n\n\n

    For many owners, especially older people, bare ownership represents a source of income without having to leave your home<\/strong>. Its main advantages are:<\/p>\n\n\n\n