The portage immobilieralso known as repurchase agreements, is an attractive option for those wishing to become homeowners without the need for a traditional mortgage. This method offers a flexible and affordable alternative for acquiring real estate. In this article, we'll explore the key stages of portage, from finding the right property to finalizing the transaction.


  1. Finding the right property


The first step in real estate portage is to find a property that meets your needs and budget. This could be a house, an apartment or commercial premises. The key is to choose a property whose value is likely to increase over time, providing a solid investment.


  1. Selecting a real estate portage company


Once the property has been identified, the next step is to choose a real estate portage company. These specialized companies provide the funds needed to acquire the property, in exchange for an agreement to buy it back at a later date. Thorough research is crucial to finding a reliable and transparent company.


  1. Property valuation and negotiation of terms


Once the portage company has been selected, it will carry out an appraisal of the property. This step determines the current market value of the property and influences the terms of the agreement. Once the valuation has been completed, negotiations can take place to define the terms of the portage, including the duration of the agreement and the terms of redemption.


  1. Signing of the real estate portage contract


Once the terms have been agreed, a portage contract is drawn up and signed by all parties. This document specifies the rights and obligations of each party for the duration of the portage. It is essential to read carefully and understand all the clauses of the contract before signing.



  1. Occupation of the property and payment of an occupancy indemnity


Once the contract has been signed, the buyer can occupy the property. However, he or she is generally required to pay an occupancy indemnity to the portage company. This indemnity may vary according to the agreements reached, but is generally lower than the cost of a traditional rent.


  1. Payment of utilities and property maintenance


During the portage period, the buyer is responsible for paying all charges relating to the property, such as property taxes and maintenance costs. Respecting these obligations is crucial to maintaining a harmonious relationship with the portage company.


  1. Exercise of the buyback option


At the end of the period agreed in the contract, the buyer has the option of exercising his right of repurchase. This means that he or she can buy back the property at a price previously agreed with the real estate portage company. If the buyer is unable to repurchase the property, he can agree an extension or another solution with the company.


  1. Buying back the property or renegotiating conditions


If the buyer decides to redeem the property, the redemption process is set in motion. The necessary funds are usually obtained through a traditional mortgage. If the buyer is unable to redeem the property, negotiations can take place to determine the next steps, such as extending the portage or selling the property on the market.


In conclusion, real estate portage offers a flexible alternative for becoming a homeowner without resorting to a traditional mortgage. However, understanding each step of the process and working with reputable real estate portage companies is essential to ensure a successful transaction. By following these key steps, future homeowners can successfully navigate the world of real estate portage and realize their dream of home ownership.

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