Une solution efficace et peu commune peut vous être proposée : la clause de tontine. Cette clause, insérée dans l’acte notarié lors de l’achat, permet à deux ou plusieurs personnes qui acquièrent un bien immobilier ensemble de convenir que seul le survivant d’entre elles sera propriétaire du logement acquis.
En pratique, de leur vivant, chaque « tontinier » est considéré comme copropriétaire du bien. Attention, toute décision concernant le logement doit être prise à l’unanimité. Ainsi, en cas de désaccord, un tontinier ne peut, comme dans le cadre d’une indivision, exiger la vente du logement ou provoquer le partage en justice.
Au décès de l’un des intéressés, le défunt est censé n’avoir jamais acheté, le survivant étant alors considéré comme le seul propriétaire de la maison depuis l’origine. Avantage de cette formule, la quote-part du défunt dans le bien immobilier n’entre pas dans sa succession (et échappe donc à ses héritiers) et vient accroître le patrimoine du survivant. En revanche, ce dernier doit, en principe, s’acquitter des droits de succession correspondants, sauf si les tontiniers étaient mariés ou pacsés.
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