{"id":9990,"date":"2025-07-21T15:59:06","date_gmt":"2025-07-21T13:59:06","guid":{"rendered":"https:\/\/luxusrealestates.com\/?p=9990"},"modified":"2025-07-21T15:59:07","modified_gmt":"2025-07-21T13:59:07","slug":"can-i-buy-the-50-property","status":"publish","type":"post","link":"https:\/\/luxusrealestates.com\/en\/puedo-comprar-el-50-propiedad\/","title":{"rendered":"Is it possible to buy 50% in a property?"},"content":{"rendered":"<p>Buying half of a house may sound unusual, but it&#039;s completely legal and common, especially in divorce, inheritance, or investor agreements. <\/p>\n\n\n\n<p>In this article, I explain step by step how it works, what rights and obligations you have, and what precautions you should take if you&#039;re considering acquiring a 50% % interest in a property in Spain.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Can 50% of a property be purchased? \u2013 Legal basis for joint ownership<\/strong><\/h2>\n\n\n\n<p>Yes, from a legal point of view, <strong>You can buy or sell 50 %<\/strong> (or any percentage) of a property. It is clearly established by the <strong>Civil code<\/strong>, in its article 400 and following, which regulate the figure of the <strong>co-ownership<\/strong> either <strong>joint ownership<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>There is no requirement that the property be physically divided.<br><\/li>\n\n\n\n<li>The seller transmits a <a href=\"https:\/\/jordibarquindecozar.es\/blog\/vender-mitad-propiedad-indivisa\/\"><strong>abstract quota<\/strong><\/a>, not a specific part of the property.<br><\/li>\n\n\n\n<li>Each owner can sell his share without asking permission \u2013 unless there is a <strong>agreed indivision pact<\/strong> for a specified duration.<br><\/li>\n<\/ul>\n\n\n\n<p>This arrangement is common in joint property, shared inheritances, or joint purchases between several people.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Is it legal to sell half of my house? \u2013 Rights, limitations, and exceptions<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Individual rights<\/strong>: Any co-owner <a href=\"https:\/\/gamanlawyers.com\/es\/blog\/vender-mitad-propiedad-indivisa\/\">you can sell your share without authorization<\/a>, even without notifying the rest.<\/li>\n\n\n\n<li><strong>Right of withdrawal and first refusal<\/strong>: Other co-owners do not have automatic legal preference, unless there is a <strong>contractual agreement<\/strong> or statutory. In some cases (e.g., renting or leasing), the right of first refusal is activated.<\/li>\n\n\n\n<li><strong>Pact of indivision<\/strong>If the co-owners have signed an agreement to maintain co-ownership for a period of time (up to 10 years), they will not be able to sell without the agreement allowing it.<\/li>\n\n\n\n<li><strong>Property registration<\/strong>The sale of an undivided share must be registered in the Property Registry by public deed. Otherwise, it has no effect on third parties.<\/li>\n\n\n\n<li><strong>Functional indivisibility<\/strong>: If the thing is indivisible (e.g. a complete house), any co-owner can judicially request its <strong>forced division or sale<\/strong>, with price sharing.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Why buy a 50% stake in a property? \u2013 Common reasons<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud83c\udfe0 Divorces or separations<\/strong><\/h3>\n\n\n\n<p>One spouse can buy out the other to avoid having to sell the house, allowing for a quick resolution and avoiding prolonged conflicts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67 Shared inheritances<\/strong><\/h3>\n\n\n\n<p>Siblings, cousins, or heirs may agree that one acquires 50% of the property without renouncing cohabitation, or before physically dividing it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud83d\udcbc Investment as a couple or partner<\/strong><\/h3>\n\n\n\n<p>Buying half allows you to enter into a shared real estate project, maintaining a <strong>equivalent control<\/strong> on the property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\ud83c\udfe2 Fractional investment or co-ownership post-Pacaso<\/strong><\/h3>\n\n\n\n<p>Funds or companies like Pacaso offer the purchase of a percentage of a luxury home, especially in cities like Madrid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>How to buy a 50% % home? \u2013 Key steps<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Agreement between parties<\/strong><\/h3>\n\n\n\n<p>It is essential that buyer and seller clearly define the percentage, price, and conditions: use, maintenance, future restrictions, etc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Valuation or appraisal<\/strong><\/h3>\n\n\n\n<p>It is recommended to have the entire home appraised by an official appraiser. Half is calculated proportionally. The appraisal protects both parties against future cost overruns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Legal and tax advice<\/strong><\/h3>\n\n\n\n<p>A specialized lawyer must draft the contract, inform about <a href=\"https:\/\/sede.agenciatributaria.gob.es\/Sede\/declaraciones-informativas-otros-impuestos-tasas\/impuesto-sobre-transmisiones-patrimoniales-actos-juridicos\/itp-ajd-transmisiones-derechos-reales-fianzas.html\"><strong>ITP<\/strong>, <strong>AJD<\/strong><\/a>, <a href=\"https:\/\/sede.agenciatributaria.gob.es\/Sede\/iva.html\"><strong>VAT<\/strong><\/a> and <a href=\"https:\/\/www.bancosantander.es\/particulares\/cuentas-bancarias\/calculadora-irpf\"><strong>personal income tax withholdings<\/strong><\/a>They will also advise you on any mortgages or encumbrances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Financing<\/strong><\/h3>\n\n\n\n<p>The buyer may request a <strong>surrogacy<\/strong> on the mortgage, extend it, or take out a new one. The bank must guarantee the change of ownership.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Public deed and registration<\/strong><\/h3>\n\n\n\n<p>The deed of transfer of the share is signed before a notary and the new owner is registered in the Registry, notifying the percentage acquired.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Notaries, taxes and expenses<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Property Transfer Tax (ITP)<\/strong> if it is second hand.<br><\/li>\n\n\n\n<li><strong>VAT<\/strong> if the house is new.<br><\/li>\n\n\n\n<li><strong>AJD<\/strong> about writing.<br><\/li>\n\n\n\n<li>Notary and registration fees.<br><\/li>\n\n\n\n<li>Possibly costs for partial or total cancellation of the existing mortgage.<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>What does it mean to be a 50\/50 co-owner of %? \u2013 Rights and obligations<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Rights of use<\/strong>Each owner may use the property according to an agreement. If there is no agreement, the uses must be decided by a majority.<br><\/li>\n\n\n\n<li><strong>Costs and expenses<\/strong>: All expenses (mortgage, community, renovations, insurance) are shared according to percentage, unless otherwise agreed.<br><\/li>\n\n\n\n<li><strong>Acts of disposition<\/strong>: To sell, mortgage or make relevant alterations, the consent of all or the majority according to quotas is required.<br><\/li>\n\n\n\n<li><strong>Division or forced sale<\/strong>A co-owner may petition the courts to dissolve the condominium. If the property cannot be sold, the judge will order its sale and divide the price.<br><\/li>\n\n\n\n<li><strong>Departure of a partner<\/strong>If one wants to leave, they can freely sell their share. If they delay, another co-owner can request the dissolution of the condominium.<br><\/li>\n\n\n\n<li><strong>Shared mortgage<\/strong>: If the property is mortgaged to 50%, both <a href=\"https:\/\/as.com\/actualidad\/economia\/el-aviso-de-una-abogada-que-puede-evitar-un-disgusto-a-las-parejas-que-vayan-a-comprar-una-casa-n\/\">They remain \u201c100%\u201d responsible.<\/a> in front of the bank.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Dangers and how to avoid them<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Future conflicts<\/strong>: Use, alterations or sale can be a source of disagreement. A <strong>co-ownership protocol<\/strong> that regulates these aspects.<br><\/li>\n\n\n\n<li><strong>Passive\/irresponsible co-owner<\/strong>If one does not contribute to expenses, the other can pay and then legally demand compensation.<br><\/li>\n\n\n\n<li><strong>Cross-border sales<\/strong>: Companies buy shares at very low prices from pressured co-owners.<br><\/li>\n\n\n\n<li><strong>Mortgage default<\/strong>If one defaults, the other must assume full payment or face foreclosure.<br><\/li>\n\n\n\n<li><strong>Unfulfilled pacts<\/strong>If there is an agreement of indivision and someone sells, the sale can be legally challenged.<br><\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Similar alternatives to 50 %<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bare ownership<\/strong>: Sale of the home in exchange for a lifetime usufruct. Widely used by retirees.<br><\/li>\n\n\n\n<li><strong>Business co-ownership type Elite Income or Pacaso<\/strong>: Each member acquires shares in an SL that owns the property, allowing use and sale according to the bylaws.<br><\/li>\n\n\n\n<li><strong>Timeshare<\/strong>: Temporary rights of use, but without actual ownership (not recommended if you are seeking ownership).<br><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Final expert advice and best practices<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Write a <strong>co-ownership agreement<\/strong> that includes clear clauses on use, expenses, responsibilities, termination and exit.<br><\/li>\n\n\n\n<li>Prioritize the advice of a <strong>lawyer and tax advisor<\/strong>, this way you will avoid tax and legal surprises.<br><\/li>\n\n\n\n<li>In case of a mortgage, check with the bank if it allows the <strong>partial subrogation<\/strong> of the loan.<br><\/li>\n\n\n\n<li>Consider the option of opting for a <strong>SL or contractual figure<\/strong> to formalize co-ownership in a business form.<br><\/li>\n\n\n\n<li>If the situation raises doubts or you want a safe experience; count on a <strong>personalized real estate advice<\/strong> \u2014Companies like Luxus Real Estates provide expertise in shared ownership, inheritance, and divorce.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>So\u2026<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Yeah<\/strong>, you can buy 50 % of a property in Spain legally and with documentation.<br><\/li>\n\n\n\n<li>There are clear rights (free sale of the quota) and obligations (registration, contributions, consensual use).<br><\/li>\n\n\n\n<li>If they are not properly regulated from the outset, conflicts or even complicated legal disputes can arise.<br><\/li>\n<\/ul>\n\n\n\n<p>If you&#039;re considering this option, I recommend having solid legal and tax support, a neutral appraiser, and a usage protocol. And if you&#039;re looking for <strong>personalized real estate advice<\/strong>With experience in co-ownerships and complex situations, companies like Luxus Real Estates can guide you step by step.<\/p>","protected":false},"excerpt":{"rendered":"<p>Comprar la mitad de una casa puede sonar poco com\u00fan, pero es totalmente legal y frecuente, especialmente en situaciones de divorcio, herencia o acuerdos entre inversores. En este art\u00edculo te explico paso a paso c\u00f3mo funciona, qu\u00e9 derechos y deberes tienes, y qu\u00e9 precauciones debes tomar si te planteas adquirir el 50\u202f% de una propiedad [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":9993,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9990","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfSe puede comprar solo el 50 %% de una propiedad?<\/title>\n<meta name=\"description\" content=\"S\u00ed es posible comprar solo el 50\u202f%% de una vivienda. 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