The Real Estate Market is in Crisis
According to current data, Slovakia is missing up to 400,000 apartments. Low supply is pushing prices sky-high, and young families cannot afford their own housing. At the same time, thousands of seniors live in spacious apartments they no longer need, but lack cash for a dignified retirement.
This paradox - wealth in property, but poverty in wallets - plagues all of Central Europe.
Podcast (Slovak): Listen from 35:00 - discussion about dead capital and solutions for seniors
What is Dead Capital?
Dead capital is the value of assets you own but cannot use for everyday expenses. For most Slovak retirees, this is their apartment or house:
- Average apartment value in Bratislava: €250,000 - €350,000
- Average pension: €600 per month
- Result: You're a "paper millionaire" with an empty wallet
Three Generations, One Problem
1. Seniors (65+)
They own mortgage-free apartments in good locations. They want to enjoy retirement, travel, help their children. But they have no cash and don't want to take on debt.
2. Middle Generation (40-55)
Paying off mortgages, caring for children and parents. Often need help from parents, but they "only have the apartment."
3. Young Adults (25-40)
Cannot afford their own housing. An average mortgage in Bratislava requires income over €2,500 per month. Waiting for inheritance that comes too late.
Traditional Solutions Don't Work
❌ Selling the Apartment
You lose your home. Where will you live? Rents are expensive and finding a landlord at senior age is difficult.
❌ Reverse Mortgage
Practically doesn't exist in Slovakia. Where it does, it's expensive and non-transparent.
❌ Property-Secured Loan
You go into debt. Interest will eat you up. What if you can't repay?
❌ Waiting for Inheritance
Children get money only when you die. But they need help now - with mortgage, starting a business, buying a car.
HomeGrif: Unlocking Dead Capital
There's a better way. Lifetime property rent allows you to:
- ✅ Stay living at home - lifetime right of residence registered in cadastre
- ✅ Get regular income - monthly rent on top of pension
- ✅ Help children now - part of value can be paid out immediately as a gift
- ✅ No debt - it's not a loan, you repay nothing
- ✅ Heir protection - Earlypass guarantee protects family for first 5 years
How It Works in Practice
Let's say you're 70 years old with an apartment worth €200,000:
| Parameter | Value |
|---|---|
| Property value | €200,000 |
| Your age | 70 years |
| Monthly rent | ~€850 / month |
| Right to live at home | Lifetime |
That's almost €1,500 per month including state pension. Enough for a dignified life, travel, and helping family.
Calculate Your Rent
Every situation is different. Use our calculator to find out how much you can get:
👉 Launch Rent Calculator - calculation takes 30 seconds
Or contact us for a free consultation. We'll advise whether this solution is right for your situation.