Invest in bare ownership: long-term property returns
Buying bare ownership is one of the most solid ways to invest in property. Acquire homes below market price with full legal security.
What is buying bare ownership?
Acquire a property below market value
When you buy the bare ownership, you acquire the title to a property at a price below market value. The seller retains the lifelong usufruct and continues living in their home.
Gain full ownership over time
When the usufruct comes to an end, you become the full owner of an appreciated property. A secure investment, backed by public deed and with attractive long-term returns.
Advantages of investing in bare ownership
Acquisition price below market value
You acquire the property at a significant discount relative to its actual value.
Guaranteed appreciation
Over time, when the usufruct expires, the value of the property will be higher.
Secure, deeded investment
Everything is formalised before a notary. Full legal security.
A real property asset
This is not an abstract financial product: it is a real, tangible, and valuable property.
No active management required
You do not need to manage rentals or tenants.
What type of investor is bare ownership suited to?
Buying bare ownership is a perfect fit if…
You are looking for property investment with a medium-to-long-term horizon
You want to diversify your assets with real property
You prefer legal security over immediate liquidity
You have available capital and want to protect it from inflation
How much can you earn by investing in bare ownership?
The return on bare ownership depends on several factors: the discount on
market value at the time of purchase, the evolution of the property market, and the estimated duration of the usufruct.
In general, investors who work with Futurovital access assets at discounts
of between 10% and 50% on the appraised value.
Contact us to find out about the bare ownership property purchase opportunities
currently available.
How the buying process works with Futurovital
Contact our investment team
We present the available opportunities that match your profile.
We analyse the asset together
We provide you with all the documentation and valuations for the property.
We formalise the transaction
The purchase is carried out before a notary with full legal guarantees.
We manage the follow-up
You can count on our team for any queries throughout the entire process.
Interested in investing in bare ownership?
Get in touch with our investment team. We will present the available opportunities and answer all your questions with no obligation.
Speak to the investment team
Is it safe to buy bare ownership?
Yes. The transaction is formalised before a notary by means of a public deed, which gives you full legal security from day one. You are registered as the title holder of the property in the Land Registry, with all the rights that entails.
What happens if the usufructuary needs to move into a care home?
The lifelong usufruct is not extinguished by the fact that the usufructuary ceases to reside habitually in the property. However, in some cases the early termination of the usufruct may be negotiated by mutual agreement.
Can I sell the bare ownership I have purchased?
Yes. As the holder of the bare ownership, you have full capacity to transfer it to a third party at any time. The original seller’s lifelong usufruct would remain in force, but you would be free to assign or sell your position as bare owner without any legal impediment.