Bare ownership, an unrecognized profitable investment

The idea?

Acquire real estate from a person who will continue to occupy it for a period defined in advance, generally between ten and twenty years.

What interest ?

The purchase price takes into account the expected duration of occupation and allows you to benefit from a significant discount, which can in some cases go up to 50%.

In legal terms, the seller retains a temporary usufruct of ten to twenty years, which gives him the right to live in the property or rent it out, while the investor acquires the bare ownership, in other words the walls, in with a view to becoming full owner at the end of the period of occupation fixed at the start.

Advantageous taxation and leverage

With this device, the investor transforms future rents into an immediate price reduction.

His gain?

This income then escapes any tax levy.

In addition, when the notarial deed is signed, the notary's fees are lower than those of a freehold purchase and the seller remains liable for property tax as well as most charges.

Finally, a powerful leverage effect boosts the profitability of the operation.

Indeed, if the investor does not initially pay 100% of the value of the property, he will capture 100% of the possible rise in the market at the end.

A less risky investment than rental

The other notable advantage of this investment model is the serenity it provides.

Throughout the duration of the usufruct, the investor has no tenants to manage.

Result: no conflict, no stress and no time lost in rental management.

No tenants also means a risk of non-payment reduced to zero, which means a very secure real estate investment.

A system that Monetivia offers for senior usufructuaries

Specialist in bare ownership investment in old real estate, Monetivia also offers a formula that takes into account the specific needs of seniors: the Monetivia Contract.

, specifies Amaury de Calonne, president of Monetivia.

Concretely, if the senior seller wishes to continue to occupy the property beyond the planned duration defined at the start, he has the right to do so and the investor is then compensated by insurance taken out with the Allianz company.

Conversely, if the seller dies before the end of the period of occupation set at the start, the investor compensates the heirs in return for the fact that he recovers the property sooner than expected.

“The Monetivia Contract is a win-win transaction.

The investor benefits from the performance and security of a bare ownership operation in

old real estate

, adds the manager of Monetivia.