BARE OWNERSHIP
Receive a significant lump sum today without taking on debt and without giving up your home. The most popular solution among older adults who want to improve their quality of life.
What is a bare ownership sale?
Transfer the title
Selling the bare ownership means transferring the title of your property to a buyer, while you retain the lifelong usufruct: the legal right to continue living in your home for the rest of your life.
Keep living in your home
In practice, you receive a substantial one-time payment and nothing changes in your daily life. You stay in your home, with your neighbours, with your life. It is a legal, secure transaction signed before a notary.
What do you get with Bare Ownership?
What you gain from selling bare ownership
An immediate and significant lump sum
You receive the money at the moment of signing. No waiting, no instalments.
Lifelong right to live in your home
Your lifelong usufruct is recorded in the deed. Your home remains yours. Guaranteed for life.
Full legal security
The entire process is formalised before a notary with complete legal guarantees.
No mortgages or debts
You take on no debt. You owe nothing back. The money is yours.
Who can sell bare ownership?
+65
years old and a homeowner
You own a property (or a share of one)
You want to improve your finances without leaving your home
You are looking for an alternative to a reverse mortgage or selling your property outright
Also, if you have inherited a bare ownership interest, we can manage the sale of that right while keeping the usufructuary in place.
Also, if you have inherited a bare ownership interest, we can manage the sale of that right while keeping the usufructuary in place.
Bare ownership vs. reverse mortgage
Two very different options for unlocking liquidity from your home. Know the difference.
Bare Ownership
No debt
Transferred
40–90% of market value (depending on age)
Reverse Mortgage
Mortgage loan with very high interest (5%–7%)
Remains yours
25–30% of market value
With bare ownership you receive a higher capital sum and keep your home free of debt and conditions.
How is the price calculated?
The value of the bare ownership depends mainly on two factors:
The market value of your property
Your age at the time of the transaction — the older you are, the higher the capital you receive
Step-by-step process
How the process works with Futurovital
Request information
Fill in the form or call us. No commitment.
We value your property for free
We analyse your case and give you a free estimate within 24–48 hours.
We present your options
If you are interested, we prepare a formal proposal and walk you through it in detail.
We sign before a notary
We formalise the transaction with full legal guarantees. The capital is paid at the moment of the notarial signing
You receive the money immediately.
Ready to take the first step?
Request your free valuation today. Our team will contact you within 24–48 hours.
Frequently asked questions
What happens if I want to sell my home afterwards?
Having transferred the bare ownership, you will no longer hold the title to the property. However, you could negotiate the termination of the usufruct with the new owner if you decide to do so in the future.
Who is responsible for the property's running costs?
As a general rule, ordinary expenses (community fees and utilities) are the responsibility of the usufructuary. Council tax (IBI), extraordinary maintenance charges and buildings insurance are the responsibility of the buyer.
Can bare ownership of an inherited property be sold?
Yes. If you have inherited the bare ownership of a property, you can sell it. We will guide you through the entire process.
Are there tax implications when selling bare ownership?
The sale of bare ownership may be subject to Personal Income Tax (IRPF) as a capital gain. However, if you are over 65 and the property is your primary residence, you are exempt from paying tax on this transaction — one of its major advantages. If you wish, you can consult an external tax adviser; our team is also available to guide you at every step.
Can my heirs claim the property after the sale?
When you sell the bare ownership, you legally transfer the title of the property to a third party before a notary. This means the property will no longer form part of your estate. Your heirs will not be able to claim it, as the transaction is fully valid from a legal standpoint. Our team can help you assess all the implications with complete transparency.