Sell real estate shares flexibly
Learn how to quickly gain liquidity through the partial sale of property shares without having to sell the entire property. Auctoa supports you with data-driven analysis and a transparent process.
Immediate liquidity
Partial ownership protection
Expert-based decision
What does partial sale of shares specifically mean?
Release liquidity
Secure usage rights
No credit borrowing
Gain flexibility
Who is suitable for the partial sale of property shares? Target groups and scenarios
The partial sale of real estate shares is a specific solution that is not ideal for every life situation. It is primarily aimed at property owners who wish to release capital from their tied assets without having to give up their home. A main target group consists of seniors and retirees looking to supplement their pension, finance age-appropriate renovations, cover care costs, or fulfill long-held wishes without taking on new debt. Partial sales can also be an attractive option for heirs and heir communities, for instance, to pay out co-heirs, settle inheritance tax, or meet individual liquidity needs without having to completely sell the family home. Furthermore, owners with temporary capital requirements, such as for unforeseen expenses or other investment projects, can benefit from a partial sale. It is always important to carefully consider, as the partial sale usually involves a monthly usage fee for the sold share. Auctoa supports you with an unbiased assessment and strategic recommendation to determine whether a partial sale is the right solution for your individual goals and your property.
Our Expertise
Your partial sale with Auctoa
Value Analysis
Accurate AI-powered assessment of your property as a foundation.
Strategy Check
Review: Is Partial Sale Your Best Option?
Cost clarity
Detailed breakdown of all applicable fees and charges.
Contract Review
Help in understanding complex contract clauses.
Alternatives
Comparison with credit, annuity, and other options.
Partner network
Access to verified partial sale providers and experts.
Process Support
Step-by-step guidance through the entire process.
Document assistance
Assistance with the compilation of necessary documents.
Market Overview
Current information on trends in the partial sales market.
Transparent, data-driven, and tailored to your needs – discover how Auctoa supports you in the partial sale of property shares and helps you achieve greater financial freedom.
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The process of a partial sale: Step by step explained with Auctoa
A transparent and clearly structured process is crucial when it comes to the partial sale of property shares. Auctoa will guide you expertly through each step. It begins with a no-obligation initial consultation, where we understand your situation and goals and explain the model of partial sale to you. This is followed by a precise property valuation by Auctoa; our AI-supported tools provide an initial well-founded value range, which can be supplemented by more detailed assessments if needed. Based on this neutral evaluation and your desired payout amount, you will receive a concrete offer for the purchase of your property shares, including a transparent presentation of all costs and conditions, such as the usage fee. You have plenty of time to review this offer and can also seek external advice if desired. Once all questions are clarified and you decide on the partial sale, the notarial certification of the contract takes place. During this process, the new co-owner and your right of use (often a usufruct or right of residence) are registered in the land register. After the certification, you receive the agreed sum, and the payment of the monthly usage fee begins. Auctoa places great emphasis on fairness and transparency throughout the entire process.
Advantages of Partial Sale of Shares: More Than Just Liquidity
The partial sale of property shares offers a number of significant advantages that go beyond mere capital procurement. The most obvious benefit is the immediate liquidity, which you can use for your desires, necessary expenses, or new investments without having to take out a loan and incur interest risks. A key advantage is also that you can continue to live in your familiar home, often secured by a lifelong right of residence or usufruct, preserving the emotional attachment. You also continue to participate in the value development of your property with the share you retain. If the market value increases, you benefit accordingly in a later full sale. Many models also offer flexibility regarding the amount of the share sold and include contractual repurchase options. Depending on the contractual arrangement, there may also be relief from larger maintenance costs, as the buyer of the share may participate in them. Finally, the proceeds from the sale can be tax-free under certain conditions, especially with long-term personal use. Auctoa helps you to assess these advantages in the context of your personal situation and goals.
Disadvantages and Risks of Partial Sale: What You Should Definitely Consider
A well-informed decision for or against a partial sale requires precise awareness of potential disadvantages and risks. A central aspect is the monthly usage fee that you pay to the buyer for the sold property share. This ongoing financial obligation must be sustainable in the long term. Additionally, the proceeds from a partial sale may be less than the proportional market value in a complete sale, as the buyer also assumes administrative costs and certain risks. The contracts involved in a partial sale are often complex and include regulations on usage rights, maintenance duties, rights of first refusal, and repurchase options, which necessitate careful examination, ideally with independent legal advice. Your authority over the property is limited; major renovations or a later total sale require the co-owner's consent. The conditions for a possible repurchase of the share or the completion of a total sale may also involve additional costs or deductions. The, albeit minimal, risk of the buyer's (provider's) insolvency should be considered and minimized through appropriate land register securities. Auctoa values comprehensive and neutral clarification so that you understand all aspects.
Alternatives to Partial Sale: Mortgage, Annuity & Co. Compared
Partial sales are one of several options for generating capital from your property. A traditional mortgage or home loan allows you to raise capital while retaining full ownership, but requires creditworthiness and a willingness to make regular interest and repayment installments. The life annuity, where you sell your property in exchange for a lifelong pension and often a right of residence, offers financial security but means losing full ownership and can reduce the inheritance. A reverse mortgage, less common in Germany, is a loan that only becomes due after death or moving out, but can be associated with high interest costs. The complete sale of the property with subsequent usufruct or right of residence provides you with a one-off profit and the right to stay, but you are no longer the owner and do not benefit from any increase in value. Finally, there is the option of a complete sale and moving to a more suitable, perhaps smaller, property, which releases maximum liquidity but involves a relocation. Each alternative has specific advantages and disadvantages. Auctoa's data-driven strategy recommendation helps you identify the optimal solution for your individual situation, property, and financial goals.
Property Valuation
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Marketplace
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Costs and Fees in Partial Sales: A Transparent Overview
When partially selling property shares, various costs and fees are incurred, which need to be transparently presented for an informed decision. Firstly, there may be costs for an independent valuation report, although these are often covered or offset by the partial sale provider. Legally required notary and land registry fees for contract notarisation and land registry entries depend on the value of the sold share. The central ongoing element is the monthly usage fee, a type of rent for the sold share, with its amount (often 2.5-5% p.a. of the share value) and potential adjustment clauses needing careful examination. Some providers charge one-off service or processing fees. The contractual arrangement for the assumption of maintenance costs is also an important cost factor. Finally, in the event of a later total sale of the property, execution fees for the partial sale provider may arise, and the terms for a possible repurchase of the share often include surcharges on the original sale price. Always request a detailed cost breakdown. Auctoa supports you in comparing offers and understanding all cost points.
Tax Aspects of Partial Sale: What Heirs and Owners Need to Know
The partial sale of real estate shares has various tax implications that make professional advice from a tax advisor essential. Auctoa does not offer tax advice but can provide initial guidance. Any potential profit from the sale of the share may be subject to capital gains tax (income tax) if the property has been held for less than ten years; an exception exists for continuous owner-occupation in the year of sale and the two preceding years. Property transfer tax is incurred by the buyer of the share, not the seller. For heirs, it is relevant that the proceeds from a partial sale can be used to settle inheritance tax without being subject to inheritance tax themselves. The sale of property shares is generally exempt from VAT. The monthly usage fee paid is usually not tax-deductible for the seller, while it constitutes taxable income for the buyer (provider). The complexity of tax assessment, particularly in the case of communities of heirs or varying periods of use, requires expert advice. Auctoa can help you prepare the necessary valuation documents for your tax advisor.
Auctoa's Role: How We Support You Neutrally and Data-Driven in Partial Sales
The partial sale of property shares is a complex financial decision. Auctoa does not act as a provider but as your neutral, data-driven partner and advisor. Our mission is to fully inform you – about the concept of partial sales, its specific advantages and disadvantages, as well as suitable alternatives. Thanks to our "Neutral Bias-Guard," you can rely on an objective assessment. A precise, AI-supported property valuation forms the basis of every consideration; if needed, we can arrange for certified appraisers. Building on this, we provide you with a personalised strategy recommendation, showing whether the partial sale is truly the best option for your situation and goals as an heir or owner. Should you opt for the partial sale, we support you in understanding the market and typical contractual clauses. Through our marketplace, you gain access to a network of vetted partners, be they partial sale providers, notaries, or specialised lawyers. Transparency throughout the entire process, from initial information to possible execution, is a given for us. Rely on Auctoa's expertise, which combines innovative technology with independent advice.
The Future of Partial Sales: Trends and Developments in the Market
The market for partial sales of real estate is dynamic and showing clear growth trends, driven by demographic changes and the desire for financial flexibility, particularly in old age. A clear trend is the increasing acceptance and awareness of this model. At the same time, the range of offerings is diversifying: New players and innovative product variants, differing in details such as maintenance regulations or buy-back conditions, are emerging. Digitalisation plays a key role (PropTech/FinTech): Processes are becoming faster and more transparent, and AI-supported analyses, as used by Auctoa, enable more precise evaluations and more personalised advice. With the market maturing, the focus on consumer protection and transparency is also increasing, which could lead to fairer terms and potentially to standardisation of contract conditions. In the future, greater integration of partial sales with other financial services, such as pension provision or estate planning, is conceivable. Internationalisation of successful models is also not out of the question. Challenges remain in continuously educating consumers and ensuring models that are sustainable and fair in the long term. Auctoa closely monitors these developments to provide you with up-to-date information and well-founded recommendations.
