Improve your standard of living without moving

Giving up the ownership of your property is not the end of the world: you can stay in your home and continue to enjoy the pleasures of life.

Azur Real Estate offers you an innovative solution: the bare ownership sale. You receive the full amount in a single payment. You stay in your home and can Enjoy life to the fullest.

Enjoy life to the fullest

Azur Real Estate allows you to improve your standard of living while remaining in your home.
Boris Michaud, Director of Azur Real Estate, interviewed on BFM TV about bare property sale

Improve your financial situation

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The guarantee of total discretion

When you sell your property as bare ownership, we do not publish any advertisements, as our institutional investment fund partner is the buyer. No one will know that you have sold the property.
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Receive the capital in full within three months

You receive the full amount of the sale within three months. An ideal solution for your need for liquidity and for enjoying the pleasures of life.
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Take advantage of an optimized tax system

A bare ownership sale is subject to income tax for capital gains on real estate. Thus, the main residence is totally exempt, which is not the case for life annuities.
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You no longer pay for major works

By selling the bare ownership of your home, you are no longer responsible for major works (Article 606 of the French Civil Code). The buyer (our institutional investment fund) is responsible for major works.

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

Purchase 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 will answer you within 48 hours

An advantageous alternative to classic life annuity

Fully enjoy life’s pleasures

Selling the bare ownership of your home allows you to enjoy your life and to accomplish your plans: is there a trip you’ve been dreaming of? Have you been thinking of buying a new car? Joining a club, going to a restaurant for dinner…?

Avoid the financial risk of a life annuity sale

With a life annuity sale, you’re taking the risk that the buyer won’t pay the life annuity. Because the total capital is paid out in a single payment, a bare ownership sale simply eliminates this risk.

Provide yourself with additional income

With Azur Real Estate, you retain the usufruct of your home. This means you can rent it out and collect the rental income — a perfect situation for a secondary residence! You can also invest the capital received (in life insurance, investments, etc.) and benefit from the returns.

Support your loved ones immediately

A bare ownership sale offers you the possibility to help your family and loved ones by transferring a part of your financial assets immediately.

Let’s discuss your plans

Ask us for a free personalized estimate of your property: We will answer you within 48 hours

Life annuity sale vs
Bare ownership sale 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.
Boris Michaud, Director 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

“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

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.

Answers to your questions

You will receive payment within a maximum of three months after acceptance of our offer to buy the bare ownership of your property.

An ethical and responsible investment fund will acquire the bare ownership of your property, according to the fundamental respect of human and citizen values.

Our investment fund has been awarded the Grand Prize for Innovation and the Label for Transparency in Finance.

In the case of the sale of a primary residence, the amount is not taxable. In the case of a second home, we invite you to consult your legal advisor.

We handle the purchase ourselves, there are no advertisements or visits, which guarantees you maximum confidentiality and discretion.

It is not necessary to tell them, this is your choice, and you are under no obligation to do so.

We take care of the major works in accordance with Article 606 of the French Civil Code.

Major repairs are repairs to main walls and the vaults, the restoring of beams and of entire coverings. Repairs of dams, breast walls and enclosing walls also in their entirety.

> Read this article in the French Civil Code on the website: legifrance.gouv.fr

Yes, absolutely, in the context of a sale with usufruct.

No, you can be of a different nationality and can still benefit from the sale of the bare ownership of your property.

The life annuity sale allows property owners to sell their property and to continue to live in their apartment or house, while collecting a life annuity.

The life annuity sale is a traditional real estate sale made in front of notary. The buyer must pay a fixed sum on the day of the sale (called the “lump sum payment”). The balance must be paid monthly until the death of the seller, which will constitute a regular financial income (called “the life annuity”).

In the case of an occupied life annuity, the owner transfers the property to the purchaser but retains the right of use and habitation. The owner receives a lump sum payment and a monthly life annuity, but gives up the possibility of renting out the property.

In the case of a free life annuity, the owner transfers the property to the buyer. The owner receives a lump sum payment and a monthly life annuity, but gives up the possibility of renting it out and of living in the property. The buyer can occupy the property as soon as the deed of sale is signed without having to wait for the death of the seller.

In the case of a bare ownership sale, the owner of the property, called the “bare owner,” sells the right of ownership, without selling the use of the property. The owner can continue to live in the property and rent it out until his/her death. Read the article about the five advantages of a bare ownership sale.

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