Property for sale with right of use from 25,000 euros: find your homeProperty for sale with right of use from 25,000 euros: find your home

Property for sale with right of use from 25,000 euros: find your homeSelling a foreclosure property from €25,000: find your home

Finding the perfect home is not easy, and if you add any requirements, such as an exposed property, things can get even more complicated. Nevertheless, buying one of these properties has many advantages, making it worth considering.

Find a home with a naked property sale from €25,000.

How does selling a naked property work? A naked property is a dwelling that is sold without giving up the right to use and enjoy them, i.e. without the right to use them. This option is available for people who want to get liquidity from their home but continue to live in it until their death, for example. To formalize the sale of the nude property, a public document must be signed before a notary public that sets forth the terms and guarantees of the transaction. It is also necessary to pay property transfer tax (ITP), which taxes the value of naked property according to the official tables. ITP is paid by the buyer and the seller must pay tax on the property income received as part of personal income tax.

Ownership is an increasingly sought-after alternative in the real estate market, especially in times of economic crisis.

It allows elderly owners to generate income without losing their home, and it allows investors to access real estate with greater return potential.

The benefits of buying a home with naked ownership.

Naked ownership is an interesting option for those who want to buy a home at a lower price and are in no hurry to move in. Some benefits of buying a home with naked ownership:

The price of freehold property is usually 40-60% cheaper than full ownership. This is because the buyer cannot use the property until the right of use expires, which usually happens when the user dies. This way, the buyer can invest in a long-term home with a smaller initial investment.
The buyer of a naked property has the hope of becoming the full owner of the property at the end of the right of use.This means that he or she can sell, rent or freehold it without paying any compensation to the user. In addition, the value of the property may increase over time.
If you buy a naked property, you have all the rights inherent in property, except for use and enjoyment. This means that you can sell, mortgage, or encumber the property with other real rights, as long as the right of use is respected. You may also carry out works to improve or preserve the property with the prior consent of the user. You also have the right to restore the property to good condition at the end of your right of occupancy.
You can take advantage of some tax benefits, such as exemption from property transfer tax (ITP) if it is a permanent residence.You can also deduct a portion of personal income tax (PIT) if you plan to use the purchase as your future residence. In addition, you do not have to pay costs associated with the use and enjoyment of the property, such as property tax (IBI), utilities or services that are the responsibility of the user.

Examples of nude properties for sale.

Let's start by moving to the north of Spain, namely Sant Andreu, in Barcelona. There we find this apartment for sale for 60,000 euros. It is a ground floor with two bedrooms, living room, kitchen and bathroom, all situated on 134 square meters. The buyer will bear the cost of property taxes, additional assessments, and property insurance.

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Without traveling beyond the borders of the Autonomous Community, we find this apartment for sale in El Vendrell, Tarragona, priced at 68,700 euros. Located on the fourth floor, the property consists of an entrance hall, a corridor-distributor, two terraces of 23 square meters each (located at the front and rear respectively), a living room, three bedrooms, two bathrooms with shower and a kitchen. There is also individual heating and air conditioning. The area of the dwelling is 83 square meters. Moving to the middle of this list and moving to the country's capital, we find this apartment for sale in Aluche, Madrid for 84,100 euros. Like all the examples on the list, this is an ideal property for investors. This is an external accommodation comprising of a distributor corridor leading to a lounge with access to a balcony, two bedrooms (one single, currently used as a checkroom), kitchen and bathroom with shower. Remodeled in 2019, the property measures 71 square meters. Back up north, we find this apartment for sale in Sarria Sant Gervasi, Barcelona for a total price of €145,000 including the garage. As a curious fact, the value of this housing has fallen by 12%. The property has three bedrooms, two bathrooms, a kitchen, a living room and a balcony, all set on 123 square meters. In terms of payment allocation, utilities, property tax and society will be on the shoulders of the user, with the exception of additional fees arising after the contract is signed, which will be the responsibility of the tedious owner. To complete this list of examples, we need to move to the Balearic Islands, specifically Mallorca. There is this detached house for sale in Llucmayor priced at €175,000. The property is located on 128 square meters and includes a living room, kitchen, three bedrooms, three bathrooms and a terrace. Property insurance costs will be split in half between the seller and buyer, while utilities and property taxes will be on the shoulders of the user.