What is the term for someone who has a nontransferable real right to dwell in the house of another but has not been granted full usufruct?

The correct term for someone who has a nontransferable real right to dwell in the house of another is known as the right of habitation. This concept allows an individual to live in a property but does not grant them the full rights associated with usufruct, such as the ability to lease or transfer the property to others.

The right of habitation is specifically designed to provide living rights without extending ownership or full control over the property. It is a limited right that offers certain protections to the individual, allowing them to reside in the property without being subject to the full responsibilities that typically accompany property ownership.

In contrast, other terms in the question refer to different legal concepts: a naked owner is someone who holds ownership rights but lacks the benefits of usufruct; a life tenant holds a property for the duration of their life but has broader rights than mere habitation; and curtesy pertains to a husband's rights in the wife's property upon her death, which also does not match the description of nontransferable housing rights.