The alternative to life annuity: bare ownership sale

Keep your property and turn it into cash

Azur Real Estate offers you an innovative solution. Sell the bare ownership of your property and receive the full amount in a single payment. You keep your home and your lifestyle.

Improve your standard of living without having to move

If you own a property and you’d like to receive financial capital without having to sell, move or change your lifestyle… then bare ownership is the right alternative to life annuity!

It allows you to draw down a large sum of capital in a single payment, improve your standard of living and, above all, retain the right to live in your property for the rest of your life…

For more information, don’t hesitate to contact our agency or Boris MICHAUD directly, who will be delighted to come and meet you at your home and explain how bare ownership works.

We offer you personalized support, tailored to your needs and the characteristics of your property. With our team of highly qualified real estate experts and our institutional investment fund, we guarantee a secure, transparent and discreet transaction.

Whether you have a primary or secondary residence, contact us.

Boris MICHAUD  +33 (0)7 67 99 15 64

YouTube video
Boris Michaud, Director of Azur Real Estate, interviewed on BFM TV about bare property sale

Request your personalized study

We answer you within 48 hours

Share family moments together

Continue to welcome your loved ones in the home they have always known.

Enjoy yourself

Keep the same standard of living and enjoy every moment.

Spend time with your friends and family

Enjoy these shared moments without restrictions.

Face the future with peace of mind

Organize your donations and your estate. Free yourself from these worries.

Our clients share their experiences

Jeanine

After the passing of her spouse, Jeanine was worried about being able to cover the regular expenses of her apartment on her own. By selling the bare ownership, she was able to secure funds to live comfortably. She continues to reside in the property as a usufructuary and now has significant funds to meet her needs.

Michel

He enjoys living life to the fullest: golfing, dining out, traveling… But his retirement no longer allows him to maintain the same level of spending as before. By selling the bare ownership of his apartment, he can continue enjoying these activities while still living in his home, thanks to the large sum he received. The icing on the cake is that no one knows he sold the bare ownership of his apartment.

Suzanne

Today, Suzanne has started a new life with André and lives in his home. She chose to sell the bare ownership of her own apartment, which allows her to receive the capital and enjoy life. However, in the event of a separation from André, she can always move back into her own place, as she remains the usufructuary of her apartment.

Bernard

Bernard doesn’t want to leave a property to his children, fearing they might fight over the inheritance. To prevent this, he decided to sell the bare ownership of his house during his lifetime and distribute the funds to his children himself. This decision has brought him peace of mind.

Annie

Her children are struggling to buy their own homes, and Annie wants to help them. To do so, she decided to sell the bare ownership of her apartment, and with the capital she received, she can assist them financially without having to move out of her home.

Roger

Roger has no heirs. He knows that upon his death, his property will go to the state. So, he decided to sell the bare ownership of his house, continue living there, and receive a large sum of money to fully enjoy life.

How it works

We buy the bare ownership of your property

Our institutional investment fund buys the bare ownership of your property. You will receive the full amount in a single payment within three months.

You keep the usufruct of your home

You retain the inalienable right to live in your home or to rent it out, until your death.

We take care of the major works on the property

We take care of the major repair work (Article 606 of the French Civil Code)

Excellence, trust and discretion for your exceptional property.

Whether it is your primary residence or a second home, we follow exactly the same process.
French Riviera
Saint-Jean Cap-Ferrat
French Riviera
Roquebrune Cap-Martin
French Riviera
Villefranche Sur Mer
French Riviera
Nice
French Riviera
La Turbie
French Riviera
Cannes
French Riviera
Menton
French Riviera
Eze
French Riviera
Beaulieu Sur Mer
French Riviera
Beausoleil
French Riviera
Antibes
French Riviera
Cap d’Ail

A five-step process

1

You contact us

We discuss your questions and expectations together.

2

We visit your property

After this visit, we give you a first estimate.

3

We schedule the AMF appraisal

An AMF (French Financial Markets Authority) approved expert appraises your property.

4

Buyback proposal

Through our institutional investment fund, we offer you a proposal to buy the bare ownership of your property.

5

Payment within three months maximum

You will receive payment in full within three months.

Request your personalized study

We answer you within 48 hours

Vente en viager vs
Sell in bare ownership with Azur Real Estate

Life annuity sale

x
Certainty of finding a buyer quickly
Very uncertain retail market
x
Certainty of selling at the right price
Lower offers because there are more offers than requests
x
Certainty of receiving the funds
Risks of unpaid annuities
x
Protection of heirs
In the event of premature death, nothing goes to the heirs
x
Peace of mind in the event of major renovation work in the future
An individual will not necessarily be able to pay for your major renovation work
x
No taxes
The life annuity received is taxed
x
Option to rent out
No.

Sell in bare ownership with Azur Real Estate

Certainty of finding a buyer quickly

Yes, we already have the buyer: our institutional investment fund. The deed of sale is signed within three months after agreement.
Certainty of selling at the right price

The value of the property is certified by a French Financial Markets Authority expert
Certainty of receiving the funds
One-time payment of the principal within three months
Protection of heirs
In the event of premature death, the unused funds revert to the heirs
Peace of mind in the event of major renovation work in the future

Our investment fund has the capital, we take care of the major renovation work (Article 606 of the French Civil Code)
No taxes

The capital is paid out net of taxes when the primary residence is sold
Option to rent out
Yes, and therefore the opportunity to receive additional income
No visits to your property by individuals
Discretion is guaranteed as no visits to your property by individuals are necessary.
YouTube video
Boris Michaud, CEO of Azur Real Estate

Do you want to sell your property?

Our manager Boris Michaud will contact you personally to explain the options available to you in a simple and concise manner.

“It’s difficult to talk about over-indebtedness, especially when you live in financial comfort and have a beautiful property. Boris was very discrete and was able to offer me a quick buyout solution. I still live in our beautiful property, and thanks to the bare ownership sale, I can continue to enjoy it as I did before.”

Christian, 75 years old, Èze

“I spent many nights going over all the scenarios in my head… Should I sell? Should I rent our second home? (…) Would I never be able to enjoy it again? Then Boris told us about bare ownership! The communication was easy, and everything went quickly. With the amount I received, I kept my house in Menton and was even able to buy a small additional studio in Nice.”

Françoise, 70 years old

“I’ve done a lot of business, I have a lot of friends, and I wasn’t planning to cut back on my lifestyle at 82. I love to share what I have built with others. The bare ownership sale allowed me to continue to do so, without changing my habits or giving up my sea view.

Daniel, 82 years old, Nice

“It was discreet and fast. I’m surprised that more people don’t know about this solution. I was able to pay off my debts and continue my lifestyle: Golf and friends! »

Monique, 77 years old, Nice

“I had the opportunity to build a 300 m² villa on the French Riviera with my husband. We have a beautiful piece of land, this place and the dream of a lifetime. Now that I’m a widow, neither my daughter nor my grandchildren can imagine having to maintain this place or even living here one day. Boris understood and offered to buy the bare-ownership of my home. I received a nice amount of money. My loved ones can continue to visit, and I can stay in this beautiful home. Passing on money is more appropriate for this new generation.”

Thérèse, 84 years old, Villefranche-sur-Mer

“We wanted to part with our family home. Despite our good standard of living, there was a lot of maintenance and other charges… in addition to our large apartment in Paris… all this was becoming complicated. It was a heartbreak for our children and grandchildren. Azur was able to convince us to keep our home! We got money and we can even continue to rent it out from time to time and collect the rent!!! But we don’t want to rent it out too often… Our grandchildren take over and come here often! »

Claude and Chantal, Paris and Beaulieu-sur-Mer

Answers to your questions

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