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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Differences between usufruct and bare ownership
The distinction between the elements that make up full ownership is crucial to understanding the management and transfer of rights over assets, especially in the real estate sector. Although both concepts refer to a form of shared ownership, there are...
Grandpa, can you help me buy a flat?
The sale of bare ownership is a financial alternative that is increasingly known and valued by older people who wish to obtain immediate financial capital without having to give up their home. But this method of making the assets profitable...
What expenses does the bare owner have to pay and what does the usufructuary have to pay?
The real estate sector is a world full of possibilities that allow owners to implement different alternatives that best meet their needs. However, this versatility implies a host of knowledge and concepts that, at times, are not always easy to understand.
How to supplement the pension with the sale of the bare ownership
Spain is a country of homeowners: today, 92% of people over 65 are homeowners. This home can be the solution to supplement the pension by selling the bare ownership, but maintaining the usufruct of it. It is...
What is the usufruct of a home?
There are many concepts related to the real estate world that are somewhat confusing or unknown to those who are not involved in matters of this type. In fact, it is common that usufruct or bare ownership are practically not mentioned in the life of a...
Taxation of life annuities
The concept of a “life annuity” sounds very good to everyone who hears it. Thinking that you will receive a sum of money periodically forever is very comforting, especially when looking ahead to retirement. At this stage of life we have more time to travel,...
Reverse housing, an economic solution to supplement income in old age
It is becoming more common for people over 65 to opt for solutions to liquidate their real estate assets and supplement their retirement pensions with other income. One of these perhaps little-known alternatives is the so-called "private housing".
What happens to heirs when taking out a reverse mortgage?
The reverse mortgage is a real estate product focused on homeowners over 65 years of age. This is a particular loan in which the applicant does not have to return anything and can obtain liquidity thanks to his home to complement his pension or improve his...
Life annuity contract: what does it consist of and how is it carried out?
The annuity contract refers to an agreement in which one of the parties agrees to pay a pension for a certain period, which is usually for life, to one or more owners in exchange for their real estate or property. It is a...