Bare-ownership investment

Investment in bare ownership presents a relevant patrimonial and fiscal strategy for those aspiring to invest in the real estate sector without the hassle of property management, while benefiting from advantageous taxation. This investment approach involves acquiring only the bare ownership of a property, while the usufruct—either the right to use or collect income from the property—is temporarily transferred to a third party, typically for a period of 15 to 20 years. Apex Capital unveils the advantages, criteria, and implications of this distinctive investment.

 

Advantages of Investing in Bare Ownership

•Tax Optimization: As a bare owner, you are exempt from rental income tax as well as the French Wealth Tax (IFI) during the period of temporary usufruct.

•Reduced Acquisition Cost: The cost of acquiring bare ownership is lower compared to full ownership, reflecting the absence of benefit from the property during the usufruct term.

•Relief from Property Management: Maintenance and related responsibilities, including upkeep and property taxes, are the obligation of the usufructuary.

•Potential for Appreciation: Upon expiration of the usufruct, the bare owner regains full ownership of the property, often appreciating in value, without additional costs.

 

Investment Criteria

•Duration of Usufruct: Engagement in bare ownership is typically fixed for a period, usually 15 to 20 years, at the end of which full ownership is naturally restored.

•Choice of Property: Selecting a high-quality property in a promising area is essential to secure the investment and its potential for appreciation.

 

Optimization Strategies

•Succession Planning: Investing in bare ownership can be integrated into a patrimonial transfer strategy, facilitating the transfer of real estate assets.

•Portfolio Diversification: Combining bare ownership investment with other asset types contributes to effective portfolio diversification, thus reducing overall risk.

 

Why Apex Capital?

 

•Expertise in Real Estate Investment: Apex Capital possesses deep expertise in the bare ownership market, ensuring well-considered investments.

•Personalized Support: We assist you throughout the investment process, from property selection to the recovery of full ownership, ensuring alignment with your patrimonial objectives.

•Advice on Fiscal and Patrimonial Optimization: Our expertise guides you towards the best strategies to integrate bare ownership investment into your overall fiscal and patrimonial planning.

 

To conclude

Investment in bare ownership offers a privileged gateway to the real estate market, associated with remarkable tax benefits, without the headaches of property management. However, this investment requires a deep understanding of its principles and strategic planning. With Apex Capital’s support, optimize the benefits of your bare ownership investment while seamlessly integrating it into your long-term patrimonial strategy.

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