Bare ownership.

Bare ownership is the law’s answer to a timeless problem: turning the home into capital without ceasing to live in it. The seller collects today and stays in his home for good; the buyer pays at a discount and waits. In between: ministerial tables that divide the value by age, a niche market with rules of its own, a contract meant to last decades — and a family use, the gift with reserved usufruct, which is among the most frequent notarial operations in Italy.

This guide walks the whole route with the series’ method: the foundations (what each party may and must do, how the price of waiting is calculated), the contract’s two chairs — because the reader may be the seller or the buyer, and the guide serves both without taking sides — and informed use: the numbers on a real case, the risks, the alternatives to beat before signing, and taxation with its most elegant surprise.

It is an independent guide: it brokers neither properties nor products, and when a simpler alternative beats bare ownership, it says so. It provides the foundations — the ones every family should have before an irreversible deed.