Velorix · Nuda propiedad

Asset-rich senior? Their home becomes a new deal.

Owners over 65 with a home but little cash can sell the bare ownership, keep the lifetime right to live there and receive money now. You originate the deal through our partner network for seniors.

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The problem it solves

Owners who don't want to move are owners you can't serve.

Many older owners have their wealth in their home and little cash. A normal sale means leaving, so they never list, and you have nothing to offer them.

They won't move.

Selling the usual way means leaving the home they want to stay in.

They need liquidity.

Their wealth is in the property, not in the bank.

No product for them.

Without this route, the conversation ends before it starts.

How it works

Three steps.

You identify the owner.

An owner over 65 who wants liquidity and wants to keep living at home. One message to us.

We bring in the partner network.

Our partner network for seniors studies the home and the owner's situation, with independent professionals advising on the legal and tax side.

The owner sells, and stays.

The owner sells the bare ownership, keeps the lifetime usufruct (the right to live in the home) and receives the money now.

What's included

What you get.

Explore Premium Agent

At a glance

A route for owners over 65 who want liquidity without moving out.
The owner keeps the lifetime right to live in the home.
For a habitual residence and an owner over 65, the capital gain can be exempt from IRPF; the owner's tax adviser confirms it for their case.
Handled through Velorix's partner network for seniors, while you originate the deal.
Legal and tax advice from independent regulated professionals, not from Velorix.
Your client stays yours: we never prospect or cross-sell the clients you refer.

Every case is studied individually.Price and conditions depend on the home and on the owner's situation, and are set by the partners. Nothing on this page is a guarantee of a sale or of a price. How and when you are paid for a referral is set out in the written conditions you sign with Velorix.

Who it's for

Made for how you work.

Independent agent

You know owners who will never sell the usual way.

Owners over 65 whose wealth is in their home.
Owners who want to stay in their home for life.

Agency with a team

A new listing source for the whole office.

A segment of homeowners your agency could not serve before.
One point of contact for every case.

Anything else on your mind?

Good questions.
Clear answers.

If your question is not here, ask us directly. We answer on WhatsApp in business hours.

Let's talk it through

What is nuda propiedad?

The owner sells the bare ownership of the home but keeps the usufruct, which is the right to live in it for life. The buyer acquires the bare ownership now and full ownership when the usufruct ends.

Who is it for?

Owners over 65 with their wealth in their home and a need for liquidity. Each case is studied by our partner network for seniors.

Is the gain tax-free?

For a habitual residence and an owner over 65, the capital gain can be exempt from IRPF. The owner's tax adviser confirms it for their situation; Velorix does not give tax advice.

What is my role?

You identify the owner and make the introduction. The partners and the independent professionals do the rest, and you stay in the loop. How and when you are paid is set out in writing before you refer anyone.

Does the owner stay my client?

Yes. We work as your back-office, never as a competing agent, and we never prospect or cross-sell the clients you refer.

Next step

Know an owner over 65 who needs liquidity?
Send us the case.

Tell us about the owner and the home. We tell you whether the route fits and bring in the partner network.