Buyout Calculator - Divorce & Co-ownership

The buyout is paid by the ex-spouse who wishes to keep the common property. The amount corresponds to half the value of the property (after deducting the remaining debt). This operation allows to "buy back" the other spouse's share.

Several options are possible: use your personal savings, take out a specific loan (buyout loan), refinance your mortgage to include the buyout, or use your rights to compensatory benefits. Banks offer dedicated loans with suitable conditions.

Yes, payment of a buyout necessarily requires the intervention of a notary who will draw up the share buyback deed. Fees include notary fees (about 2.5% to 4% according to the 2026 schedule), formalities costs and taxes. These fees are borne by the person acquiring the shares.

If you cannot pay the buyout, several solutions exist: request payment in installments with the other party's agreement, sell the property and share the proceeds, or transform the co-ownership into an SCI. In the context of a divorce, the judge can order the sale of the property if no amicable solution is found.

No, payment of a buyout in the context of divorce or inheritance is not subject to transfer taxes. However, if the buyout occurs in another context (exit from co-ownership outside the family), it may be subject to 2.5% registration fees after deduction.

Although not legally required, it is strongly recommended to have an appraisal done by a professional (real estate agent, real estate expert, notary). This estimate provides an objective basis for the calculation and avoids conflicts. In case of disagreement, the judge can order a judicial appraisal.