{"id":2038,"date":"2025-11-25T12:17:34","date_gmt":"2025-11-25T11:17:34","guid":{"rendered":"https:\/\/futurovital.com\/what-is-bare-ownership-a-clear-guide-for-people-over-65-and-a-practical-example\/"},"modified":"2026-07-03T09:27:20","modified_gmt":"2026-07-03T07:27:20","slug":"what-is-bare-ownership-a-clear-guide-for-people-over-65-and-a-practical-example","status":"publish","type":"post","link":"https:\/\/futurovital.com\/en\/what-is-bare-ownership-a-clear-guide-for-people-over-65-and-a-practical-example\/","title":{"rendered":"What is bare ownership? A clear guide for people over 65 and a practical example"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2038\" class=\"elementor elementor-2038 elementor-380\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc6c17e e-flex e-con-boxed e-con e-parent\" data-id=\"fc6c17e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-614d940 elementor-widget elementor-widget-text-editor\" data-id=\"614d940\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal\">In Spain, bare ownership is becoming one of the most interesting solutions for older adults looking for liquidity, wellbeing and stability \u2014 without giving up the home they have always lived in.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">In this article we explain clearly what it is, how it works and answer the most frequently asked questions. We also walk you through a practical example to make it easy to understand.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>What exactly is bare ownership?<\/strong><\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">A property has two distinct rights:<\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\"><strong>Bare ownership<\/strong> \u2014 being the legal owner of the property.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\"><strong>Lifelong usufruct<\/strong> \u2014 the right to use and enjoy the property for the rest of your life.<\/li>\n<\/ul>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">When someone sells only the bare ownership, they receive a significant payment for the property but retain the right to live in it forever. In other words: you sell the ownership, but you stay in your home.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">It is a particularly useful option for people who want to ease their finances, improve their quality of life or strengthen their independence without giving up their home.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>Main advantages<\/strong><\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">\u2714 You keep living in your home: no moving, no changes to your routine.<br \/>\n\u2714 You receive a substantial sum of money: in a single payment or monthly instalments, to cover care costs, improve your daily life or support your family.<br \/>\n\u2714 Stability and peace of mind: the lifelong usufruct legally protects your right to remain in your home.<br \/>\n\u2714 Complete transparency: the transaction is signed before a notary and is fully regulated.<br \/>\n\u2714 Flexibility: tailored to your situation, needs and expectations.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5299226 elementor-widget elementor-widget-heading\" data-id=\"5299226\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-668eb74 elementor-widget elementor-widget-text-editor\" data-id=\"668eb74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>Can I keep living in my home for the rest of my life?<\/strong><br \/>\nYes. The lifelong usufruct guarantees your right for life.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>What happens with my children?<\/strong><br \/>\nThey would no longer inherit that particular property, but many family members support this option when it improves the quality of life of their parents or grandparents.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>Can I rent out the property if I wanted to?<\/strong><br \/>\nGenerally, yes. The usufructuary can rent it out and receive the income (although each case is assessed individually).<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>Who pays the bills?<\/strong><br \/>\nThe usufructuary usually covers the running costs (council tax, utilities) and the buyer covers structural expenses. Everything is explained before signing.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd5996 elementor-widget elementor-widget-heading\" data-id=\"dbd5996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Practical example<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1114b2d elementor-widget elementor-widget-text-editor\" data-id=\"1114b2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>How you could benefit from selling bare ownership<\/strong><\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">Mar\u00eda is 68 years old and owns a property in Valencia valued at \u20ac250,000. She lives alone, on a limited pension, and wants greater financial peace of mind without leaving her home, where she has lived for more than 40 years.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">After looking at several options, she decides to sell the bare ownership while keeping her lifelong usufruct.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>What does Mar\u00eda get?<\/strong><\/p>\n<ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">A one-time payment of \u20ac140,000 (the amount varies depending on age and property valuation).<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">The legal security of remaining in her home for life.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">The freedom to arrange her care, make improvements to the home or afford a more comfortable lifestyle.<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Greater peace of mind: she is no longer solely dependent on her pension to live.<\/li>\n<\/ul>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\"><strong>What changes in her daily life?<\/strong><br \/>\nIn reality, very little. Mar\u00eda continues living exactly where she wants, surrounded by her memories, her routines and her familiar environment. But now she does so with more resources, more independence and more serenity.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aad9a00 elementor-widget elementor-widget-heading\" data-id=\"aad9a00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bare ownership: a tool for living better<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-538025b elementor-widget elementor-widget-text-editor\" data-id=\"538025b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal\">More and more older adults are discovering that this is not just a property transaction \u2014 it is a decision that can transform their wellbeing.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">At Futurovital we guide you through the entire process with clarity, warmth and respect. Because every story is unique, and every decision deserves to be made from a place of peace of mind.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2aa9f8c elementor-widget elementor-widget-heading\" data-id=\"2aa9f8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Would you like to explore your situation with complete clarity and no obligation?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-252269e elementor-widget elementor-widget-text-editor\" data-id=\"252269e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal\">At Futurovital we analyse your situation in a personalised way and explain, step by step, how bare ownership can help you live with greater peace of mind, wellbeing and financial freedom. Your home is your story. We help you keep living it the way you want.<\/p>\n<p><\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal\">Speak today with a specialist adviser and discover your options at no cost.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be4a1f7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"be4a1f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/futurovital.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Let's talk<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Discover how bare ownership can give you financial peace of mind without leaving your home: what it is, how it works and what real benefits it offers to people over 65.<\/p>\n","protected":false},"author":1,"featured_media":632,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-2038","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pensions","category-property-market"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is bare ownership? A clear guide for people over 65 and a practical example - futurovital<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is bare ownership? 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