BARE OWNERSHIP IN MÁLAGA
Bare Ownership in Málaga: sell your property and keep living in it
The solution chosen by foreign property owners in Málaga who want to improve their finances without taking on debt and without leaving their home.
Why Málaga property owners are choosing bare ownership right now
Málaga is one of the most revalued property markets in Spain. Prices across the province have risen steadily for years — particularly in Málaga city, the Costa del Sol and towns like Marbella, Torremolinos, Benalmádena and Fuengirola. If you own a property here, its value today is likely higher than it has ever been.
For foreign residents over 65 who own property in Málaga, this creates a real opportunity: converting that property value into immediate cash — without selling up, without moving out, and without borrowing a single euro.
What is bare ownership and how does it work in Spain?
A legal figure established under Spanish Civil Law
Bare ownership is a legally recognised property transaction regulated by the Spanish Civil Code. You transfer legal ownership of your Málaga property to a buyer, while retaining the lifelong right to live in it, guaranteed by notarised deed.
Your life stays the same. Your finances don't
After signing before a notary, you receive your capital and nothing else changes. Same home, same neighbourhood, same daily life in Málaga. The only difference is what's in your bank account.
What do you actually get from selling bare ownership in Málaga?
What you get from selling bare ownership of your Málaga property
Immediate cash from a property that's never been worth more
Málaga's property market is at an all-time high. Now is the time to unlock the real value of your property without having to leave it.
You stay in your home, in your community
Nothing changes in your daily life. Your surroundings, your neighbours, your home. The only thing that changes is your financial situation for the better.
A right that no one can take away from you
Your lifelong right of residence is recorded in a public notarial deed. It does not depend on any private agreement or on the goodwill of anyone else.
No debt to leave behind for your children
Unlike other financial products, this creates no liability for your heirs. What you receive is yours, clean and unconditional.
Who can sell bare ownership in Málaga?
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Foreign residents over 65 who own property in Málaga
Those who need liquidity without going to a bank
Those who want to stay in their Málaga home
Those who have looked at other options and aren't convinced
We operate across the whole province of Málaga, including Marbella, Torremolinos, Benalmádena, Fuengirola, Nerja, Mijas, Estepona, Vélez-Málaga and Ronda. If your property is in the province, we can value it for free.
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 in Málaga
Both options allow you to release value from your property. But they work very differently and the difference in what you receive can be significant.
Bare Ownership
None
Transferred to the buyer
A significant percentage of the property's market value, increasing with age
Reverse Mortgage
Creates a mortgage loan with interest that compounds over time
You keep it
A considerably lower percentage of the property's market value
For foreign property owners in Málaga looking to maximise what they receive without taking on any financial burden, bare ownership is generally the more advantageous option.
How is the bare ownership price calculated for your Málaga property?
There is no standard figure because every property and every owner is different. Two factors always determine the outcome:
Your property's current market value and exact location within Málaga province
Your age at the time of the transaction
How does the bare ownership process work in Málaga?
Four straightforward steps, with our team alongside you at every stage:
Tell us about your situation
A phone call or a message is all it takes. No complicated forms, no commitments. Our team will listen and let you know whether bare ownership is a good fit for your situation.
We value your Málaga property for free
We assess the real market value of your property in its specific location within Málaga province and send you a free estimate within 24-48 hours.
You decide, with full information and no pressure
If the valuation works for you, we present a detailed proposal and walk you through every point at your pace. The decision is always yours.
Notary signing and immediate payment
Everything is formalised before a Spanish notary with full legal guarantees. The agreed capital is transferred to your account on the day of signing.
From your first enquiry to the day you receive your money, we are with you every step of the way.
Own a property in Málaga and want to know what it could be worth?
Request your free valuation today. Our team will get back to you within 24-48 hours, in complete confidence and with no obligation.
Frequently asked questions about bare ownership in Málaga
Can I sell bare ownership if I'm a foreign national living in Málaga?
Yes. Bare ownership is open to any property owner regardless of nationality, provided the property is located in Spain and registered in your name. futurovital works with foreign residents across the whole province of Málaga.
How long does the process take?
From the initial enquiry to the notary signing, the process typically takes between four and eight weeks, depending on the property documentation and notary availability.
What documents do I need to get started?
The title deed or a nota simple from the Land Registry, the most recent IBI (council tax) receipt, and a valid ID or passport. If anything else is needed for your specific case, we will let you know upfront.
Can I sell bare ownership if there is still a mortgage on the property?
In some cases yes, particularly if the outstanding balance is small relative to the current market value of the property. Get in touch and we will assess your specific situation at no cost.
Do my children or heirs have any say in this decision?
No. As the registered owner you have full legal capacity to sell bare ownership without requiring consent from your heirs. The transaction is fully valid from the moment it is signed before a notary.
What happens to the property when I pass away?
Your lifelong right of residence ends at that point, and the buyer gains full access to the property. Your heirs inherit the property free of the usufruct, but without any debt or financial obligation attached to it.