SALE OF BARE OWNERSHIP
Sell your home and continue enjoying it for the rest of your life.
You can keep living in it even after selling.
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What is the sale of bare ownership?
Bare ownership allows you to sell your home without giving up the right to use and enjoy it (usufruct). It is an ideal option for seniors who want to gain liquidity without losing their home.
- Immediate liquidity without having to leave the property.
- Security and stability for the owner.
- Hassle-free sale: the buyer assumes future expenses (property tax, maintenance, etc.).
- An attractive financial alternative without resorting to loans.
- Can be sold to investors interested in buying without needing to occupy the property.
How Does the Process Work?
Contact and Free Evaluation
We provide guidance with no obligation.
Our team assesses your property and its bare ownership value based on its location, condition, and your age. We offer a free initial estimate.
Offer Presentation
Receive the best proposal.
We search for investors interested in your property and present you with multiple offers. You can analyze and choose the one that best suits you.
Notary Signing
A secure and transparent process.
Once you accept an offer, we formalize the sale before a notary. We guarantee full legal security and your lifelong usufruct rights.
Receive Payment and Stay in Your Home
Immediate liquidity without moving.
You get paid in one transaction and stay in your home rent-free, while the buyer covers taxes and maintenance.
Who Can Benefit from This Option?
Selling bare ownership is an ideal financial alternative for those seeking liquidity without losing the right to enjoy their home. This option is increasingly used in Spain due to its security and economic advantages.
This model is particularly beneficial for:
- Elderly individuals who wish to supplement their retirement income without leaving their home.
- Homeowners who need liquidity without moving or resorting to loans.
- Heirs who prefer to sell a family member’s property under this model.
This system allows homeowners to convert the value of their property into available capital without giving up the peace of mind of continuing to live in it. Additionally, it offers advantages such as the reduction of certain expenses and the possibility of better financial planning for the future.
EXCLUSIVE TO INDIVIDUALS
REAL ESTATE AGENCIES, PLEASE REFRAIN
Do You Have Questions About Bare Ownership?
Here, we answer the most common questions about selling bare ownership so you can make the best decision with complete confidence.
Everything you need to know to sell your home, obtain immediate liquidity, and continue enjoying your home for life.
Bare ownership means owning the property title but without the right to use it. Usufruct, on the other hand, grants the right to live in the property or rent it out without being the legal owner.
When you sell bare ownership, you remain the usufructuary, which means you can continue living in your home for life or according to the terms of the signed agreement.
With bare ownership, you sell the title of the property but retain the right to use it for life without incurring debt. With a reverse mortgage, you receive a loan using your home as collateral, keep ownership, but generate a debt that your heirs will need to settle.
The value of bare ownership depends on several factors:
✔️ Owner’s age: The older you are, the higher the sale price.
✔️ Property location and condition: Properties in high-demand areas have greater value.
✔️ Usufruct conditions: Whether it is for life or a fixed term.
Each case is unique, so we offer a free valuation to determine how much you could receive for your home.
After the sale, the new owner typically takes on certain expenses, allowing you to save money. Usually, the buyer covers:
✔️ Property Tax (IBI)
✔️ Home insurance (as agreed in the sale)
✔️ Structural maintenance and major repairs
As the usufructuary, you will only be responsible for utility bills and basic home maintenance.
Yes, selling bare ownership is a 100% legal transaction regulated by the Spanish Civil Code.
✔️ The sale is signed before a notary, ensuring full legal security.
✔️ The usufruct is registered in the deed, protecting your right to continue living in the house.
✔️ It is an increasingly popular option among seniors and property owners looking for liquidity without risks.
You can continue living in your home for as long as the usufruct lasts.
✔️ If the usufruct is for life, you can stay in the property until your passing.
✔️ If the usufruct is temporary, you can remain in the home for the agreed duration of the sale.
As long as your usufruct is in effect, the property will remain your home, and no one can force you to leave.
By selling bare ownership, your heirs will not inherit the property title upon your passing, as full ownership will transfer to the buyer.
Why Choose Cuenca&Mirasol?
Experience
We have over 30 years of experience in the industry
Guidance
We support you through every step of the process
Transparency
Mutual trust and integrity are our top priorities
Conditions
We offer the best deals and valuations for you
Contact us
We are here to answer all your questions and help you find the perfect property for you. You can visit us at our office or fill out the form so our team can contact you as soon as possible.
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