HomeContactFree valuationServices · Bare ownership
Sell while retaining usufruct, or buy for the future. ClouCasa helps you assess rights, price and terms with clarity.
Bare ownership is ownership of a property separated from usufruct, the right to use and enjoy it. The buyer acquires title but cannot freely occupy or use the home while usufruct continues. Within the deed and legal limits, the usufructuary may live there or let it and collect rent.
Ownership itself is not temporary: the right of enjoyment has a duration. A seller retains usufruct only when it is reserved in the deed. A right of habitation is a different arrangement with more limited powers.
Release part of the home’s value while retaining the agreed usufruct. Payment follows the agreed terms; ownership is transferred and does not automatically return to the seller. Housing needs, future resources and family consequences should inform the decision.
Acquire a property for a future plan without needing immediate occupation or rental income. The price is normally below that of vacant full ownership, but the waiting period, expenses and resale prospects need careful assessment. Appreciation and returns are not guaranteed.
The ClouCasa® service
We assist with selling and searching for bare ownership interests, relating personal plans to the property and the rights being transferred. We coordinate negotiations and contact with notaries, surveyors and relevant advisers for the specialist checks required.
Discuss needs, timing, resources and expectations. Establish who will continue to use the home and on what terms.
Review the property, its setting and market alternatives. Distinguish full ownership value from a proposed bare ownership asking price.
Gather title, cadastral and available building documents, together with details of usufruct, leases and condominium matters. Qualified professionals carry out specialist checks.
Agree how to market the property, qualify enquiries and arrange viewings with respect for the occupants, avoiding unnecessary disclosure of personal information.
Clarify price, payments, reserved rights, expenses and deadlines. The notary examines provisions affecting usufruct and the balance of the transaction.
Follow offers and agreed steps, gathering information for the notarial deed. Keys and possession depend on the rights agreed, rather than signing alone.
The relevant person’s age, the duration and scope of usufruct affect the valuation alongside location, condition, expected costs, existing leases and demand. With a life usufruct, the date on which the buyer will be able to use the home is unknown.
Tax tables value rights for specific tax purposes. They do not dictate the transaction price or represent an expected investment return.
View the 2026 tax table ↗The usufructuary can generally live in or let the property within legal and deed restrictions. The bare owner does not automatically receive rent. A reserved right of habitation cannot be assigned or let.
Ordinary upkeep is generally the usufructuary’s responsibility; extraordinary repairs are the owner’s, subject to legal exceptions. Internal allocation differs from liability to the condominium. The glossary explains Articles 1004, 1005 and 67.
IMU, where due, is payable by the usufructuary. Waste tax, utilities, income and acquisition taxes follow their own rules. The notary and tax adviser review the actual transaction and any relief.
Usufruct may be lifelong or fixed-term. When it ends, the interests reunite into full ownership; follow-up formalities and any continuing leases still require attention. With multiple holders, shares and accretion provisions matter.
Yes. Review the existing lease and the rights retained by the usufructuary, including rent.
Yes, subject to existing rights and restrictions. A quick resale or a higher price is not guaranteed; the market, property and usufruct terms matter.
For an individual, usufruct ends at expiry or on the earlier death of the person whose life determines the right. A transferred usufruct requires identifying that relevant person. Tax valuation cannot be read from the age table alone.
The deed determines shares, duration and accretion. A table for one individual is insufficient to establish when full ownership of the entire property reunites.
Bare ownership passes through their estate. Usufruct continues under its own terms; the bare owner’s death does not terminate it.
Consolidation reunites the rights, but actual possession and existing contracts must be checked. Certain leases can continue under the law.
ClouCasa®
Tell us whether you wish to sell while retaining usufruct or buy a property for the future. We will start with your needs and the actual conditions of the property.
Contact ClouCasaUpdated 21 October 2026. General information on Italian law, to be applied to the actual circumstances with the relevant professionals.
IT
EN