{"id":1614,"date":"2026-10-31T15:18:52","date_gmt":"2026-10-31T15:18:52","guid":{"rendered":"https:\/\/quickrecipes.delicedcook.com\/?p=1614"},"modified":"2026-10-31T16:14:35","modified_gmt":"2026-10-31T16:14:35","slug":"succession-rights-the-legal-trick-that-french-families-ignore-and-that-can-change-everything","status":"publish","type":"post","link":"https:\/\/quickrecipes.delicedcook.com\/?p=1614","title":{"rendered":"Succession rights: the legal trick that French families ignore (and that can change everything)"},"content":{"rendered":"

It is not said enough, but settling an estate can cost a fortune to a family already tried. Tens of thousands of euros that go into tax costs, sometimes on goods passed down from generation to generation. What few people know is that there is a perfectly legal strategy to limit \u2014 or even remove \u2014 these rights. And the most surprising? It is accessible to everyone, provided you act at the right time.<\/h2>\n
\n

Bare ownership and usufruit: two words that can save you big<\/h2>\n

The principle is based on a technique called property dismemberment<\/strong>. In concrete terms, it is a question of giving his children the bare ownership of a property during his lifetime, while retaining the usufruct.<\/p>\n

Difficult to visualize? Here\u2019s how it works in practice:<\/p>\n

\u2013 The bare-property<\/strong> is the right to own a property \u201con paper\u201d, without being able to inhabit it or collect the income. \u2013 The usufruct<\/strong> is the right to use it: to live there, to rent it, to receive the rents.<\/p>\n

In other words, you pass on the property to your children, but you continue to live there quietly. You don\u2019t \u201cstrip\u201d at all. And at the time of your death, your children automatically become full owners \u2014 without paying inheritance tax on this property.<\/p>\n

\"A<\/p>\n

A concrete example to understand<\/h2>\n

Let\u2019s imagine a property worth 400 000 euros, transmitted to two children. If the donation of the property is carried out at 60 years, the tax scale estimates it at 50% of the value of the property, i.e. 200 000 euros. Divided by two children, each receives 100 000 euros of bare property.<\/p>\n

However, in France, each child benefits from<\/strong> a reduction of 100 000 euros every 15 years<\/strong> on parental donations. Result : zero euro of fees to be paid.<\/p>\n

Same operation at 75? The bare property then represents 70% of the property, i.e. 280 000 euros, or 140 000 euros per child. Each child pays fees on 40 000 euros \u2014 about 8 000 euros each. It is not neutral.<\/p>\n

 <\/p>\n<\/div>\n

<\/p>\n

The lesson is clear: the more you anticipate,<\/strong> the more you save.<\/strong><\/p>\n

\"Miniature<\/p>\n

What you need to know before you start<\/h2>\n

The dismemberment is necessarily carried out in front of a notary. It is a serious, supervised, and above all irrevocable<\/strong> approach. Once the property is given, it is impossible to reverse. We need to think carefully upstream.<\/p>\n

A donation fee may also apply, but they remain much lower than the traditional inheritance tax \u2014 and may even be void if the donation occurs early.<\/p>\n

\"Two<\/p>\n

A gesture for your heritage… and for your loved ones<\/h2>\n

Beyond the tax aspect, giving during his lifetime also allows to concretely help his children when they need it \u2013 for a project, a purchase, a boost. It is a beautiful and useful way to transmit, in serenity rather than in urgency.<\/p>\n

An appointment with your notary, and you lay the foundation for a more serene future for the whole family.<\/p>\n","protected":false},"excerpt":{"rendered":"

It is not said enough, but settling an estate can cost a fortune to a family already tried. Tens of…<\/p>\n","protected":false},"author":3,"featured_media":1615,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=\/wp\/v2\/posts\/1614","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1614"}],"version-history":[{"count":1,"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=\/wp\/v2\/posts\/1614\/revisions"}],"predecessor-version":[{"id":1616,"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=\/wp\/v2\/posts\/1614\/revisions\/1616"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=\/wp\/v2\/media\/1615"}],"wp:attachment":[{"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1614"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1614"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/quickrecipes.delicedcook.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1614"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}