Dead Capital in Real Estate: How to Unlock It for a Better Retirement

Dead Capital in Real Estate: How to Unlock It for a Better Retirement

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.

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