🏠 For the 50+ Generation
Own a mortgage-free property? Get lifetime rent
and stay living at home. No sale, no mortgage.
For active 50+ before and during retirement. Calculate how much you can get.
Generation 50+ — born 1970-1980
My home is paid off, but I still have 10-15 years until retirement. I want to enjoy an active life, not just survive.
— Peter, 54, BratislavaMy kids need help with their mortgage now, not when I die. I want to give them a down payment from my apartment.
— Maria, 58, KošiceWe're childless. We don't want to leave anything behind — we want to enjoy our money. Why should we save?
— Eva & Josef, 56, NitraI don't trust the state pension. I'm looking for my own solution for early retirement.
— Martin, 52, ŽilinaMy son needs a mortgage but the bank says he lacks income. My apartment could help as collateral.
— Jana, 57, PrešovOwn a paid-off home? Your "dead capital" can work for you.
Your children need housing help now — not when they inherit. Help them with a mortgage down payment.
Don't want to leave anything behind? Enjoy your money while alive. No mental barriers with inheritance.
Before retirement but no time to save. Your home is your second pillar.
Born 1970-1980: The first generation that must solve retirement alone
A €200,000 apartment you can't see in your bank account. It's "dead capital" — not working.
10-15 years until retirement. Too short for traditional savings, too long to wait.
Mortgages require income or down payment. You have it — in your home.
Average €600/month. After an active life, barely enough to survive.
We unlock your home value — you stay living in it.
Monthly payments or 33% upfront + lower rent. Total 75% of home value.
Guaranteed right to live in your apartment. Legal ownership stays with you.
Decide on inheritance upfront. Help financially when they need it most.
Transparent conditions. Option to terminate according to clear rules.
Estimate your lifetime rent from your apartment
We're building HomeGrif the way we'd want it ourselves as retirees. Transparency and fairness are the foundation of our product.
* Estimate only. Exact amount depends on location, property condition and other factors.
For more accurate calculation by location:
Calculator by District →Legal security for you and your family
Legal ownership stays with you. You're still on the property deed.
Even if HomeGrif had problems, no one evicts you or takes your apartment.
Only a pre-purchase right is registered, not a change of ownership.
You can transfer the apartment to children even with our entry — no complications.
Technically, this is an investment in the apartment with a pre-purchase right. If you decide to move, HomeGrif has priority claim on the sale proceeds.
Fill out a short form or call. We'll have a no-obligation conversation.
We'll value your property for free and prepare a custom rent proposal.
Transparent contract with a lawyer. We explain everything, hide nothing.
Every month you receive rent. You stay at home. Simple.
Do these thoughts sound familiar?
I can't get a mortgage for my dream apartment yet, or I don't have my own resources.
— Investor, 28 yearsI move for work, don't know where I'll be tomorrow, I just come home to sleep.
— IT specialist, 31 yearsI'm thinking about FIRE, self-securing for retirement, I don't count on the state.
— Freelancer, 34 yearsBetter to own part of a property than none — you can always buy more.
— Investor, 29 yearsI want my parents to live out their days in their home, but I'd consider sorting inheritance upfront.
— Manager, 38 yearsFractional investing in apartments with proven returns
Start investing with small capital
Average return over portfolio lifetime
Investment secured by real estate
50% guarantee for heirs on early death
Legal structure for secure investing
Each property has its own LLC with lien in land registry.
You own shares in SPV directly — independent of HomeGrif.
Your shares are separated from HomeGrif assets.
Independent custodian tracks precise asset attribution.
Invest fractionally in a diversified portfolio or gradually into a specific property.
New market for financial groups • CSR with real impact • Fintech combining HEI and reverse mortgage
"We teach young people to invest in local housing in a fun way, while releasing lifetime rent from guaranteed home ownership for their parents from the Husák's children generation to supplement their active retirement."— HomeGrif Vision 2026
We're saving the difficult situation of the Husák's children generation, whose most significant (often only) asset is trapped in the property they live in. We unlock it as an emergency retirement pillar with guaranteed lifetime residence.
Guaranteed right to stay living at home. No moving, no losing your home.
They can decide on inheritance upfront and immediately help their children financially when they need it most.
Improve their pension and realize dreams and desires after an active career.
We're building foundations for a system where future generations are better equipped with their own capital.
Long-term pension fund with 6-7% p.a. yield
Apartments in major district cities SK/CZ. High demand, liquidity, attractive for living.
For retail and affluent investors. Low volatility, 27-year horizon.
Every investment secured by real estate. Real assets, not derivatives.
Fun way to invest in local housing for the next generation.
New market in saturated house financing segment. First-mover advantage in CEE.
Theme for clear legacy and pedestal — helping society that resonates.
Own fintech combining advantages of HEI and reverse mortgage. Phygital distribution.
"Parents can help you with mortgage down payment through their apartment." New product for existing base.
Simulation: 100 apartments, average value €200K
HomeGrif provides fintech platform and operating model. Partner brings capital, distribution and shared CSR story.
No hidden fees. Everything is clearly written in the contract.
You remain the legal owner with guaranteed right to stay.
Option to terminate under pre-agreed conditions.
We understand the local market and legal environment in SK and CZ.
Free consultation. We'll respond within 24 hours.
No. Legal ownership stays with you. Only economic rights (pre-purchase option) transfer to HomeGrif, not the legal title.
The contract includes a "Fair Exit" — clear conditions under which you can terminate.
The property is sold and proceeds are divided per the contract. Heirs receive the remaining value.
For property owners from age 45 who want to stay at home while improving their financial situation.
No upfront fees. Consultation and valuation are free. All costs are included in the rent calculation.
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