2026 guide co-purchase — SCI vs co-ownership comparison, procedures, pitfalls, cases.
Co-purchase context
Friends, siblings, associates, unmarried couples, diaspora + local family.Methodology: Kloufi.
Option 1 — SCI
Distinct legal entity. Shares. Costs 80-200k. Flexible succession.Option 2 — Direct co-ownership
No structure. Simple. Rigid exit. Convention recommended.SCI vs co-ownership comparison
Table + recommendations by situation.Associate agreements + statutes
Crucial clauses. Preemption + valuation + exit.Tip: kricar.fr.
Pitfalls + precautions
Friendship/business, unequal contributions, informal management.Concrete cases
Friends villa, siblings rental, diaspora, unmarried couple, multiple investors.Editorial Q&A
SCI 80-200k. Co-ownership free but rigid.Frequently Asked Questions
SCI vs co-ownership?
SCI flexible + costly. Co-ownership simple + rigid.
SCI costs?
Creation 80-200k. Management 50-150k/year.
Co-ownership convention?
Notarial contract 5 years renewable.
Associate agreement?
Complements statutes.
Death associate?
SCI heritable shares.
Pitfalls?
Friendship/business confusion.
Precautions?
Notary + written + separate accounts.
Budget threshold?
30M SCI.