Home, the (strange) growth of the bare property: what are the risks for those who buy

In recent days the news of the Bare sales boom owned in 2024starting from a search to confabite, according to which these operations increased by 20% In Italy, proof of the greatest economic difficulties of the elderly. To have the final data it will be necessary to wait for the official data of the revenue, also because the estimate of the research is 97 thousand retirees involved, a large number compared to the total of 720 thousand sales.

The data

In reality, the bare property sales operations have always represented a small share of the total deeds (the 2023 data is just over 28 thousand operations, equal to 3.9% of the total) but this is not the point. The fact is that Only a minority of these transactions are real saleswhile in most cases these are transfers between family members, made to rationalize the destination of the heritage At the death of the seller, because then the full control of the good goes to the naked owner with a simple cadastral voltura.

The actual sale works little above all because the evaluation of the good is problematic and for those who buy there are not indifferent risks.

The risks for those who buy

For example, that the usufructuary does not pay the condominium expenses or rent the house or, if the price too low, that the heirs invoke the circumvention of incapable.

To overcome the impasse a few years ago, one tried to launch, taking the idea from the Anglo -Saxon world, A bare ownership alternative: the mortgage lifestyle loan. The house is assessed by a bank that grants a sum by way of mortgage: if the owner pays the installments or if the heirs pay the overall debt to death, the house goes in succession, otherwise the bank becomes owner. After the launch of a pair of products, offered at rates dangerously close to the wear threshold, this type of financing has completely disappeared from the radars.