Investing in nue-propriété in Haute-Savoie

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.

Buying bare ownership in Haute-Savoie

Investing in bare ownership: a secure and profitable opportunity in an exceptional setting

Investing in bare ownership is a little-known but particularly advantageous property solution, and even more strategic when it is carried out in a dynamic and sought-after region such as Haute-Savoie. This tax and investment package combines security, profitability and flexibility. Find out why this solution could transform your investments while benefiting from the region's unique appeal.

What is bare ownership?

Investing in bare ownership means acquiring ownership of a property while temporarily transferring the usufruct to a third party, known as the usufructuary. During the agreed period, the usufructuary can use or rent out the property. Once this period has elapsed, you automatically regain full ownership, without any formalities or additional costs.

In Haute-Savoie, this solution takes on a special dimension thanks to an attractive property market, driven by strong demand from tourism, access to renowned ski resorts and proximity to Switzerland.

The advantages of investing in bare ownership in Haute-Savoie

1. Optimised taxation

• When you buy :
  Notary fees are calculated on the value of the bare ownership and not that of the full ownership. So you save significantly on acquisition costs.

• During the dismemberment :

  • Reduction in IFI (Impôt sur la Fortune Immobilière) tax: as bare owner, the property is excluded from the calculation of the Impôt sur la Fortune Immobilière.
  • No tax on rental income: The rental income received by the usufructuary is included in the reduced purchase price, without being subject to tax.
  • Deduction of loan interest: If you finance the property on credit, you can deduct the interest from property income from other assets.

• At the end of the dismemberment :

  • Tax-free full ownership: You get back full ownership without any additional tax.
  • Exempt capital gains: Gains generated by the increase in the value of the property remain tax-free when you recover the usufruct.

2. A secure asset, with no rental management

In Haute-Savoie, where rental demand is high, the risks of non-payment or vacancy are transferred to the beneficial owner:

• No rental management: You have no local taxes or charges to pay (co-ownership charges, property tax, etc.), as these are borne by the beneficial owner.
• Maintenance of the property: Apart from major works, all routine repairs are also the responsibility of the beneficial owner.

3. Flexible resale with attractive leverage

• Reduced initial investment: You generally invest 60% of the value of the property, while benefiting from the full value of the property market in Haute-Savoie, which is often growing strongly.
• Resale possible: Bare ownership can be resold before the end of the joint ownership period, with the value naturally increasing as the end date approaches.

4. Long-term peace of mind in an exceptional region

• Quality of the property: Some contracts require the usufructuary to refurbish the property before you recover full ownership.
• No annuity : Unlike life annuities, no annuity payments are required.

Why invest in bare ownership in Haute-Savoie?

Haute-Savoie, with its spectacular scenery, famous ski resorts such as Chamonix, Megève and La Clusaz, and its proximity to Geneva and Lake Geneva, is an ideal location for a property investment.

Thanks to the stability of the local property market, bare ownership allows you to :

• Build up your assets in a premium region with strong growth potential.
• Reduce your financial outlay, while securing your investment.
• Take advantage of tax benefits at a time when the tax burden on property is rising.