·        Date: November 14, 2024

The real estate market in Spain is experiencing a quiet revolution thanks to an investment model that is gaining more and more attention: bare ownership. This concept, although technical for some, is attracting both investors and older homeowners. But what makes this model so attractive? Let’s break it down.
What is Bare Ownership and Why is it Booming?
The current context is key: the aging of the population combined with a real estate market where prices are constantly rising. This has driven new formulas to optimize assets, and bare ownership is one of them.
In essence, this model allows the owner of a home to sell the property, maintaining the right to live in it (usufruct) until their death. For the seller, this means obtaining liquidity without losing their home; for the buyer, it represents the possibility of acquiring a home with a discount of up to 50% of the market price.
Advantages for All Parties
For Sellers:
• Immediate liquidity: Ideal for older people who need to supplement their pension or want to improve their quality of life without leaving their home.
• Security and stability: The seller maintains the right to live in their home as long as they need to.
For Investors:
• Safe and long-term investment: Prices are very attractive thanks to the discount derived from the waiting time until the property is fully available.
• Stability in the market: In a context of high volatility in traditional purchase and rental options, bare ownership stands out for its solidity.
A Constantly Growing Interest
Interest in this investment model continues to grow. Specialized companies, such as Jubenial, a pioneering marketplace in real estate services for the elderly, highlight that demand in Spain is beginning to be compared to markets such as the British, where bare ownership is already popular.
The Demographic Factor: The Big Engine
Demography plays a fundamental role in this trend. According to the National Institute of Statistics (INE), people over 65 years of age represent 19% of the Spanish population, a figure that continues to increase. This makes Spain one of the oldest countries in Europe, which underlines the need for adapted property solutions.
For the real estate sector, this is both a challenge and an opportunity. Bare ownership is well positioned to lead the change towards solutions adapted to this new demographic reality.
What Can We Expect from the Future?
Everything indicates that bare ownership will continue to gain prominence:
• Effective solution for the elderly: It responds to specific needs for liquidity and security.
• Attractive investment: It offers stability and profitability in a market characterized by uncertainty.
Final reflection
Bare ownership is not just a passing fad, but a solution with a future. In a country where demographics are changing rapidly, this model offers advantages for both older owners and investors.
If you are interested in the world of investment or are looking for ways to optimize your assets, bare ownership is a topic you cannot ignore. It’s time to explore this innovative alternative!