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Are you wondering if it's possible to buy a property with several people: as a couple, with family members, friends, or investors? It's entirely feasible! To do so, you have two legal options: joint ownership (indivision) or a French real estate company (SCI). But how do you choose? Which legal structure is best suited to your needs? Here are some answers.
Some good reasons to buy a property with others
Buying a home together is generally the starting point for a couple's life. It's also an advantageous option for having a sufficiently large space that can be divided into individual units for living in.
Investors can also jointly purchase rental property and collectively benefit from the additional income from rent.
Finally, it also happens that a child buys property with their parents. It is also possible to acquire a second home with friends or family members to enjoy together or separately.
In any case, the act of coming together to carry out a buying property in La Couarde-sur-Mer or elsewhere greatly increases the borrowing capacity.
Choosing joint ownership?
This is the simplest legal structure for jointly purchasing real estate. The owners will therefore enjoy the property together and share responsibility for its maintenance and operating expenses. It's a good option for married couples, civil partners, or cohabiting partners when acquiring their primary residence. In the event of resale, each party can recover their share.
What about the SCI?
This legal structure for joint ownership is relatively complex. It is suitable for investors looking to generate additional income by purchasing rental property. However, the SCI (Société Civile Immobilière) is also the ideal option for purchasing a second home or family properties.
