An investor acquires a well-located quality property for 50 to 60 % of its value, in bare ownership. At the same time, the usufruct is acquired for a fixed term (15 to 17 years) by an institutional landlord who rents out the property to households subject to conditions on income*. Over the whole period, the landlord is responsible for all costs, maintenance and taxes. At the end of the usufruct, the investor automatically and free of charge recovers full ownership of your property, maintained and renovated.
*65% of French households are eligible.
This type of investment is based on the dissociation in property law, for a contractual period of 15 to 20 years, between the law of usage (usufruct) and the law on capital (bare ownership property). Articles 578 to 624 from the French 1804 Code Civil.
Cash-rich looking for a secured long-term property investment
Either looking at capital gain tax or having a second home in a prime location
Looking at investing in a property abroad but without any risk and costs
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