{"id":13384,"date":"2023-07-19T14:55:39","date_gmt":"2023-07-19T12:55:39","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=13384"},"modified":"2023-07-19T14:55:42","modified_gmt":"2023-07-19T12:55:42","slug":"vendre-en-conservant-lusufruit-espagne","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/vendre-en-conservant-lusufruit-espagne\/","title":{"rendered":"Vous souhaitez vendre votre logement, mais en conserver l\u2019usufruit ? Nous vous expliquons comment le faire. Vendre en conservant l\u2019usufruit. Droit immobilier. Nue-propri\u00e9t\u00e9. Rente viag\u00e8re."},"content":{"rendered":"\n

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La vente d\u2019un logement en conservant l\u2019usufruit est une op\u00e9ration qui a consid\u00e9rablement augment\u00e9 ces derni\u00e8res ann\u00e9es, notamment chez les personnes \u00e2g\u00e9es qui cherchent \u00e0 compl\u00e9ter leur retraite, sans changer de logement. Dans cet article nous allons aborder les principales diff\u00e9rences entre les deux faces de la monnaie: la nue-propri\u00e9t\u00e9 et l\u2019usufruit<\/a>. Et nous expliquons les principaux avantages de choisir cette formule de plus en plus courante : vendre en conservant l\u2019usufruit.<\/p>\n\n\n\n

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Pleine propri\u00e9t\u00e9, nue-propri\u00e9t\u00e9, usufruit, qu\u2019est-ce que c\u2019est ?<\/u><\/strong><\/h2>\n\n\n\n

La nue-propri\u00e9t\u00e9<\/em> est le droit qu\u2019une personne a sur un bien qui lui appartient, mais qu\u2019elle ne peut pas utiliser et dont elle ne peut pas jouir. Il s\u2019agit donc d\u2019un droit \u201cincomplet\u201d. Ainsi le nu-propri\u00e9taire peut vendre la maison<\/a>, l\u2019hypoth\u00e9quer, y faire des travaux d\u2019am\u00e9lioration, il a l\u2019obligation de payer les imp\u00f4ts et les taxes, les d\u00e9penses communautaires, etc., mais il est priv\u00e9 de l\u2019utilisation et de la jouissance du logement, qui revient \u00e0 quelqu\u2019un d\u2019autre.<\/p>\n\n\n\n

L\u2019usufruit est r\u00e9glement\u00e9 dans les articles 467 et suivant du Code civil et il consiste \u00e0 : \u201cjouir des biens d\u2019autrui dans l\u2019obligation d\u2019en conserver la forme et le fond, \u00e0 moins que le titre de sa constitution ou la loi n\u2019en disposent autrement<\/em>\u201d. <\/em>C\u2019est-\u00e0-dire que l\u2019usufruitier est le revers du nu-propri\u00e9taire, car il a le droit de jouir du bien, de l\u2019utiliser et d\u2019en profiter, mais il n\u2019est pas le propri\u00e9taire du logement<\/a>.<\/p>\n\n\n\n

Ce qui est connue comme \u00ab\u00a0pleine<\/em> propri\u00e9t\u00e9<\/em>\u00a0\u00bb est l\u2019union des deux\u00a0: une personne a la pleine possession d\u2019un bien, elle en a la propri\u00e9t\u00e9 l\u00e9gitime et elle en a aussi l\u2019utilisation et la jouissance.<\/p>\n\n\n\n

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Comment calculer l\u2019usufruit viager ?<\/u><\/strong><\/h2>\n\n\n\n

Si vous avez un logement et que vous souhaitez le vendre en conservant l\u2019usufruit \u00e0 vie, la premi\u00e8re \u00e9tape est de calculer la valeur de l\u2019usufruit. C\u2019est un calcul assez simple qui consiste \u00e0 appliquer la formule suivante : usufruit = 89 – \u00e2ge de l\u2019usufruitier.<\/em><\/p>\n\n\n\n

Voici un exemple\u00a0: chez une personne de 77 ans, la valeur de l\u2019usufruit viager serait 89 -77 = 12%. En d\u2019autres termes, si le logement a une valeur de 300 000 \u20ac, l\u2019usufruit viager serait 12% de 300 000 \u20ac, c\u2019est-\u00e0-dire 36 000 \u20ac.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Vente de la nue-propri\u00e9t\u00e9 avec r\u00e9serve de l\u2019usufruit : comment, quand, pourquoi ?<\/u><\/strong><\/h2>\n\n\n\n

Si vous avez un logement en propri\u00e9t\u00e9, et que vous souhaitez le vendre en conservant l\u2019usufruit, il y a plusieurs mani\u00e8res de le faire.<\/p>\n\n\n\n

Vente en \u00e9change du prix.<\/u><\/strong><\/h4>\n\n\n\n

Une possibilit\u00e9 serait la vente avec paiement \u00e0 la signature<\/a> de l\u2019acte de vente. C\u2019est-\u00e0-dire, la personne qui vend la nue-propri\u00e9t\u00e9 en conservant l\u2019usufruit, re\u00e7oit un paiement pour le droit transf\u00e9r\u00e9. Les acqu\u00e9reurs paieraient \u00e0 la Communaut\u00e9 Valencienne 10% de l\u2019imp\u00f4t sur les transmissions patrimoniales on\u00e9reuses (ITPO). Le vendeur est le responsable de payer la plus-value municipal<\/a>e et le gain en capital<\/a> (except\u00e9 s\u2019il a plus de 65 ans et s\u2019il transf\u00e8re sa r\u00e9sidence habituelle). La vente \u00e0 paiement diff\u00e9r\u00e9 est aussi possible, elle serait garantie par une hypoth\u00e8que<\/a>, avec condition r\u00e9solutoire, etc.<\/p>\n\n\n\n

Rente viag\u00e8re<\/u><\/strong><\/h4>\n\n\n\n

Une autre possibilit\u00e9 est la rente viag\u00e8re. C\u2019est-\u00e0-dire, que le propri\u00e9taire qui vend deviendrait usufruitier, recevant en \u00e9change une rente viag\u00e8re, g\u00e9n\u00e9ralement de fa\u00e7on mensuelle. Dans ce cas, les taxes \u00e0 payer varient en fonction de l\u2019\u00e2ge du b\u00e9n\u00e9ficiaire. Comme dans le cas pr\u00e9c\u00e9dent, il faut payer l\u2019ITPO, mais aussi l\u2019 imp\u00f4t sur les donations<\/a>. Enfin, tout d\u00e9pendra du montant de la rente viag\u00e8re, de l\u2019\u00e2ge du b\u00e9n\u00e9ficiaire de la rente, etc.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Conclusions<\/u><\/strong><\/h2>\n\n\n\n

Si vous avez un logement en propri\u00e9t\u00e9 et que vous souhaitez le vendre en conservant l\u2019usufruit \u00e0 vie, n\u2019h\u00e9sitez pas \u00e0 nous contacter<\/a>. Nous \u00e9tudierons votre cas et vous offrirons un conseil expert, la possibilit\u00e9 d\u2019accorder une rente viag\u00e8re, etc.<\/p>\n\n\n\n

L\u2019information fournie dans cet article ne pr\u00e9tend pas \u00eatre un conseil l\u00e9gal, il transmet simplement des renseignements d\u2019ordre g\u00e9n\u00e9ral sur des questions juridiques.<\/p>\n\n\n\n

Carlos Baos (avocat)<\/p>\n\n\n\n

White & Baos.<\/p>\n\n\n\n

T\u00e9l : +34 966 426 185<\/p>\n\n\n\n

E-mail : info@white-baos.com<\/a><\/p>\n\n\n\n

White & Baos 2023 \u2013 Tous les droits r\u00e9serv\u00e9s.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Vous pourriez \u00eatre int\u00e9ress\u00e9 par les services et les articles suivants <\/u><\/strong>:<\/u><\/strong><\/h1>\n\n\n\n

Succession ou donation. Laquelle est la plus avantageuse fiscalement ? Avantages et inconv\u00e9nients de chaque option. Conseil juridique.<\/a><\/h2>\n\n\n\n

Exemption pour r\u00e9investissement en r\u00e9sidence habituelle \u00e0 l\u2019\u00e9tranger. Est-il possible de r\u00e9investir dans une r\u00e9sidence hors d\u2019Espagne ? Gain en capital. IRPF. Direction G\u00e9n\u00e9rale des Imp\u00f4ts. Conseil juridique.<\/a><\/h2>\n\n\n\n

Testament espagnol pour des biens dans le monde entier.<\/a><\/h2>\n","protected":false},"excerpt":{"rendered":"

Vendre en conservant l\u2019usufruit. Droit immobilier. Nue-propri\u00e9t\u00e9. Paiement diff\u00e9r\u00e9. Rente viag\u00e8re. Conseil juridique expert. Avocats espagnols […]<\/p>\n

Lire la suite…<\/a><\/p>\n","protected":false},"author":2,"featured_media":13375,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[502,503],"tags":[1526],"class_list":["post-13384","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-achat-de-biens-en-espagne","category-vente-de-biens-en-espagne","tag-usufruit"],"yoast_head":"\nVendre en conservant l\u2019usufruit. Espagne.<\/title>\n<meta name=\"description\" content=\"Vendre en conservant l\u2019usufruit. Nue-propri\u00e9t\u00e9. Paiement diff\u00e9r\u00e9. Rente viag\u00e8re. Conseil juridique expert. 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