The Bare Property Blog
Discover all the information and news about bare ownership, reverse mortgages, pensions and the real estate market.
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Investing in bare ownership: a complete guide
Investing in bare ownership is a real estate investment strategy that involves acquiring ownership of a home or property without the right to its immediate use, as this right is reserved for another person through usufruct. This model has become...
Is it possible to rent a property under a usufruct agreement?
In the rental market, especially for those of a certain age, concepts like bare ownership and usufruct are becoming increasingly important. However, it's essential to understand them well to take full advantage of all the possibilities a property offers...
How selling bare ownership can change your life
Selling the bare ownership of your property is a way for people over 65 to sell their primary residence in exchange for a lump sum payment or a lifetime annuity, while retaining the right to live in and enjoy the property for life. It's a solution that provides liquidity and...
Sale of second homes to people over 65
When someone reaches 65, it's common for them to start reassessing their financial and asset situation. Many older people own more than one home: their primary residence and a second home for rent, vacations, or other purposes.
More and more people are deciding to sell the bare ownership of their home at a younger age.
For many years, selling the bare ownership of a home was almost exclusively associated with very elderly people. However, this is changing in Spain. Increasingly, younger people are deciding to learn more about and use this option...
If I sell a property, will I lose my non-contributory pension?
A short and direct answer is: not always. Selling a property doesn't automatically mean losing your non-contributory pension, but it can affect it depending on several key factors, especially the amount of money received, how it's used, and your circumstances.
Support for people over 80: a complete and up-to-date guide
As the years go by, it's common for needs related to dependency, mobility, or home support to increase. Therefore, knowing what assistance is available, what the requirements are, and how to apply is key to making informed decisions.
Financial advantages of being retired: a complete guide to benefits and discounts
Retirement is a stage of life full of changes, but also of new opportunities. As the years go by and the inevitable moment to leave work arrives, retirees enjoy a range of advantages and financial benefits designed to improve...
What if your home could finance your dreams? The alternative that transforms retirement
According to the National Institute of Statistics (INE), 89% of people over 65 in Spain own their primary residence. However, many of these people do not live comfortably: the average retirement pension in our country is €1.507 per month, and...