Benefit from a wide selection of bare ownership properties throughout France, far beyond what you can view on our platform.
To discover all of our offers and find the property that corresponds exactly to your expectations, share your criteria and requirements with us. We'll be able to present you with a wide range of properties, both new and old, to meet your specific needs.
Since its creation in 2010 by Jérémy Louis, an estate agent and notary graduate, the New Deal Immobilier network has maintained its promise to provide quality services to its customers, with personalised follow-up while preserving a human approach.
In 2020, our network evolved towards a family atmosphere, consolidating its expertise at the same time with the arrival of Laëtitia Setto, an excellent lawyer who had practised for 10 years as a notary.
Backed by our experience and expertise in property stripping, you can look forward to investing in bare ownership with complete peace of mind.
Investing in bare ownership is a little-known but particularly advantageous property investment solution. This tax and asset management package combines security, profitability and flexibility. Here's why it could become a strategic choice for your investments.
Investing in bare ownership means acquiring ownership of a property while temporarily transferring the usufruct to a third party, known as the usufructuary. The usufructuary has the right to use or rent the property for a fixed period. Once this period has elapsed, the bare owner automatically reacquires full ownership without any additional costs or formalities.
On purchase
Reduced transfer fees: notary fees, and more specifically registration fees, are calculated on the basis of the value of bare ownership, rather than that of full ownership. As a result, investors pay fewer notary fees than for a traditional purchase of full ownership.
During the dismemberment
Lower IFI tax: The value of bare ownership is not included in the calculation of Impôt sur la Fortune Immobilière (IFI).
No tax on rental income: With bare ownership, you benefit indirectly from the rental income through a reduction in the purchase price, without it being subject to tax.
Borrowing interest deduction: Financing a bare-ownership property that is rented out allows the bare-owner to deduct borrowing interest from his or her property income.
At the end of the dismemberment
Tax-free reacquisition of the usufruct: full ownership reverts to the bare owner on a fully tax-free basis at the end of the usufruct period.
Exemption from capital gains tax: Potential gains arising from an increase in the value of the property are not taxed when the usufruct is reclaimed.
No rental contingencies: Unlike a traditional rental, you won't have to worry about unpaid rent or vacancies.
No taxes or charges to pay: The beneficial owner pays property tax and co-ownership charges during the period of dismemberment.
Limited works: excluding major works, the usufructuary is responsible for all day-to-day repairs.
Reduced initial out lay: You invest an average of 60% of the value of the property, while benefiting from its potential to increase in value over time.
Resale options: Bare ownership can be resold at any time, with the value naturally increasing as the maturity date of the usufruct approaches.
Refurbishment of the property: Some contracts provide for the usufructuary to refurbish the property before recovering full ownership.
Annuity-free investment: Unlike a life annuity, no annuity is paid to the usufructuary.
Investing in bare ownership combines tax benefits, lower costs and peace of mind. This type of purchase allows you to build up your assets with less financial effort, while enjoying maximum security against the ups and downs of the rental or property market.
For a high-performance, long-term investment, bare ownership is an attractive solution that is suited to a demanding tax environment. Find out more about our opportunities today and build your wealth for the future.
