Question 1

Who is HomeGrif for?

Accepted Answer

HomeGrif is for property owners aged 50+ who want additional income without selling. Typically mortgage-free apartment or house owners looking to supplement their pension, help children with housing, or enjoy an active retirement.

Question 2

How does it work?

Accepted Answer

We unlock part of your apartment's value (up to 75%) and pay it as a lifetime annuity — monthly, lump sum, or combined. You stay living at home and remain the legal owner.

Question 3

How much can I get?

Accepted Answer

It depends on your property value and age. Use our calculator for an estimate. For example: an apartment worth CZK 5M could generate an annuity of over CZK 7,000 per month.

Question 4

Will I lose ownership of my apartment?

Accepted Answer

No. Legal ownership stays with you. HomeGrif only acquires a pre-emption right. You remain listed in the land registry as the owner with a guaranteed right of residence.

Question 5

Do I have to move out?

Accepted Answer

No. Your apartment remains your home for life. No one can ask you to move out — you have a guaranteed right of residence written into the contract.

Question 6

What if I want to move?

Accepted Answer

The contract includes a Fair Exit clause. If you decide to move, we settle under pre-agreed conditions defined in the contract.

Question 7

What happens in the event of early passing?

Accepted Answer

Heirs are protected by the Earlypass program. During the first 5 years, they receive part of the investment back. The apartment passes to heirs — they can sell it or continue living in it.

Question 8

What will my children inherit?

Accepted Answer

The apartment remains in your estate. After sale, the obligation to HomeGrif is settled and the remainder goes to your heirs. You can also choose inheritance protection — a guaranteed share of your apartment's value for your family.

Question 9

Can my heirs take the apartment from me?

Accepted Answer

No. You are the owner registered in the land registry with a contractually protected right of residence. Heirs cannot dispose of the apartment without your consent during your lifetime.

Question 10

How much does it cost?

Accepted Answer

No entry fees. Consultation and property valuation are free. All costs are included in the annuity calculation — no hidden fees.

Question 11

Are there any financial risks?

Accepted Answer

HomeGrif is not a loan — no debt or interest is created. You sell a share of your property's value and receive a fair price. Transparent contract, no hidden fees, guaranteed lifetime residency.

Question 12

Is it safe?

Accepted Answer

Yes. Equity release products have operated in Europe for decades. The UK market exceeds GBP 2.5bn annually with strict regulations. HomeGrif follows the same protection standards: right of residence, transparent contract, heir protection.

Question 13

How is this different from a reverse mortgage?

Accepted Answer

A reverse mortgage is a loan — interest compounds and debt grows. HomeGrif is NOT a loan. It's a property buyback with lifetime residency rights. No interest, no debt. You simply 'consume' your property's value during your lifetime — similar to the French viager model, which has worked for centuries.

Question 14

Can I terminate the contract early?

Accepted Answer

Yes. The contract includes a Fair Exit clause with pre-agreed termination conditions. You don't have to stay forever — you have flexibility.

Question 15

How does pension reform affect this?

Accepted Answer

The 2026 reform reduces future pensions — lower indexation, slower growth. The average pension (CZK 20,700) barely covers rent (CZK 18,500). Your apartment can be the solution — convert 'dead capital' into monthly income.

Frequently Asked Questions