Sale of Bare Property

With the Bare Property Sale you will be able to sell the ownership of your property and retain the usufruct for life, so that you will get a large amount of money for your house, without leaving it!

You can receive the amount in a single payment, in monthly payments, or a combination of both. Discover Bare Property.

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What is Bare Property Sale?

With the sale of the Bare Property, the owner of a home, over 65 years of age, transfers ownership of the house in exchange for a single payment when formalizing the operation and maintains the right to continue using and enjoying his or her home for life. .

This allows the seller to continue having the same life they had been having and also receive an amount of money instantly and in one go, which can be used to pay off a debt or mortgage, enjoy it with the family, take trips, etc.

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        Bare Property Sale Modalities

        At Mas Vida we offer the following options for the sale of the bare ownership:

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        Usufruct for life

        With this option, the retired person receives a one time payment whilst continuing to use and enjoy the home for life.

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        Temporary Usufruct

        With this option, the seller retains the use of the home for a determined and previously agreed period of time.

        Calculation of the Amount to Receive

        The economic conditions of the operation are calculated taking into account numerous factors, the most important of which are the market value of the property itself and the life expectancy of the homeowner(s), in accordance with the official tables of the Directorate General of Insurance and the National Institute of Statistics. If you want to know all the related information, you can visit our article in which we explain everything you need to know about the bare ownership.

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          Market value

          It is obtained after carrying out a market study or through an official appraisal.

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          Life or Temporary Usufruct

          If it is for life, the calculations are made based on the life expectancy of the usufructuary's age, according to the National Institute of Statistics.

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          Operation type

          You can choose between receiving a single payment, a monthly income or a combination of these.

          Steps to Follow to Sell the Bare Property

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          To carry out this type of operations, only two requirements are needed:

          1. preferably have 60 years or more.

          2. Be owner of a property.

          Formalization process

          1. We meet with the interested party to learn about their preferences and specific needs.

          2. We analyze your case internally and present you with several payment proposals.

          3. We look for an investor interested in purchasing the house according to the previously agreed terms.

          4. The transaction is completed before a Public Notary and registered with the Land Registry.

            Furthermore, after formalization, the usufructuaries have the assistance and the support of Mas Vida team during the duration of the contract, since we act as a direct link in any issue or procedure that may arise with the buyer.

              Advantages of Selling Bare Property

              Free formalization expenses

              The seller will not have to pay any kind of expenses related to the Notary's Office, the Property Registry and the Notary's Office. All the taxes derived from the operation will be assumed by the buyer, except for the Municipal Capital Gains Tax, which will be assumed by the seller.

              Legal guarantees

              It has all the legal guarantees, all transactions are formally completed before a Public Notary and registered with the Land Registry.

              Shared Ownership

              The operation can be completed by two people ( e.g. spouses), as long as they are both the homeowners.

              Forget the IBI and the spills

              The usufructuary will stop paying for ever the receipts of the Real Estate Tax, the Community fees and the building insurance. It will only have to assume the ordinary quotas of the Community, the receipts of the supplies (water, light, etc.) and the Urban waste tax.

              Rental and sale of usufruct

              The usufruct holder has the right to rent the property or sell the usufruct.


              Excellent tax treatment

              If the operation is carried out on a property declared as habitual residence, the usufructuary is exempt of paying taxes for the increase of the patrimony in the IRPF.

              We Offer You a Totally Free Study

              We carry out a study and valuation of your property completely free of charge. After closing the operation before a notary, you can use the amount received as you prefer.

              Enjoy financial freedom!

                Learn about Real Cases of Our Clients

                Learn about the experiences of those who have transformed their financial lives with Mas Vida. With many years of experience in the sector and hundreds of satisfied clients, you can totally trust us.

                  Virginia P. Hernanz
                  Virginia P. Hernanz
                  I sold my apartment with this real estate agency. I dealt with Carlos, an 11 as a professional and person. Before even confirming that I had decided to work with them. He does not overwhelm like other real estate agents, he did a market study of the area, professional and serene. Everything went so smoothly. And in less than a month I had it reserved and in 2 sold. Thank you Carlos for everything
                  Emilio Vasco
                  Emilio Vasco
                  It was a success to have chosen and counted on this real estate agency A special mention for Raquel for her attention and management, it has undoubtedly been a success
                  Ines Rubio Recio
                  Ines Rubio Recio
                  We have sold an apartment with them and I have to highlight, apart from the professionalism, the closeness, kindness and availability of both Julián and Raquel. It has been very pleasant to work with them, 100% recommended.
                  Maria Reyes Rubio Araujo
                  Maria Reyes Rubio Araujo
                  In July we used your services for the sale of a house and in November we are signing deeds. Excellent professionals. Our deal was with Evdard. Great professional
                  Laura Vazquez
                  Laura Vazquez
                  The treatment by Edvard has been excellent and very professional. In 3 months they have sold the house
                  Francisco Garcia Herreos
                  Francisco Garcia Herreos
                  I have never been in Madrid on vacation
                  Diego Rodriguez GALINDO
                  Diego Rodriguez GALINDO
                  Good afternoon, I live in Barcelona, ​​I have contacted Mas Vida, for a bare property and the treatment has been exquisite, friendly and has come to a good end. Both by Erick Pancho in Madrid and by Edvard Moller in Barcelona.
                  jose rodriguez
                  jose rodriguez
                  Incredible service, they differ a lot compared to others in the sector. 100% recommended
                  Javier Herreros
                  Javier Herreros
                  We made a reverse mortgage for my mother with them and we received an impeccable service: honest, transparent and efficient. They are highly recommended in a sector in which honesty and seriousness are essential.
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                  Operations carried out throughout Spain

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                  Portfolio investors

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                  Increase in operations this year


                  How many people can contract the product for the same house?

                  One or two people, as long as they are the owners of the house.

                  Who acquires the Nuda Property of your house?

                  An investor with extensive experience and a high level of specialization in the Spanish real estate market. At Mas Vida we work with the best professionals in the sector.

                  When do you receive the Single Payment?

                  At the time of formalizing the product before a notary.

                  Can you use the Single Payment received to pay off your mortgage?

                  Yes, the amount you receive as a Single Payment can be used for the purposes that you decide.

                  Do you need to live in the house after formalizing the product?

                  No, regardless of where you live you will continue to maintain the Right to Use and Enjoy it.

                  Can you rent the house?

                  Yes, this allows you to obtain an income every month. At Mas Vida we take care of finding a tenant and managing the rent so you don't have to worry about anything.

                  And if you have to repair the windows of the house or change the fridge… Who bears these expenses?

                  This type of expense continues to be assumed by the user, since the only home maintenance expenses that are transferred to the investor are the Real Estate Tax, extraordinary spills and home insurance.

                  product regulation

                  The Single Payment (transfer of Bare Ownership) is regulated in the Spanish Civil Code in articles 467 and 469.

                  Full Ownership

                  Full Ownership of a house is made up of 2 rights:

                  • Bare property
                  • Usufruct

                  In Mas Vida we transfer the Right of Bare Ownership of your house, while you continue to maintain the Right to Use and Enjoy it for life.

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