# HomeGrif - Home Equity Release Platform for Central Europe

> HomeGrif enables property owners aged 50+ to unlock lifetime monthly pension from their home equity without selling or moving. Similar to reverse mortgage, but adapted for Slovakia and Czech Republic markets.

## What is HomeGrif?

HomeGrif is a Slovak fintech platform that provides home equity release services (doživotná renta z nehnuteľnosti). Property owners can convert their home value into:
- Monthly lifetime pension payments
- One-time lump sum payment
- Combination of both

**Key differentiators from traditional reverse mortgage:**
- No debt accumulation - you don't owe more over time
- Earlypass guarantee - heirs receive 50% of value if owner dies early
- Stay in your home indefinitely with lifetime tenancy rights
- No 10-year balloon payment (unlike Hometap in USA)
- Transparent pricing with no hidden fees

## Target Audience

**Primary: "Husákove deti" generation (born 1970-1980)**
- Property owners aged 50+ with paid-off mortgages
- Want to improve retirement income
- Want to help children with mortgage down payments
- Childless couples wanting to consume assets during lifetime

**Secondary: Banks & Pension Funds**
- New property pension fund product opportunity
- 6-7% p.a. stable yields
- Blue ocean in saturated mortgage market

## How It Works

1. Free consultation - no obligation
2. Professional property valuation (free)
3. Choose payout option (monthly/lump sum/combined)
4. Sign transparent contract with heir protection
5. Receive payments while staying in your home

## Calculator

Use our online calculator to estimate your monthly pension:
https://homegrif.com/#calculator

Input: Property value (€50,000-€500,000), Age (45-85)
Output: Estimated monthly pension, total payout, heir protection value

## Coverage Area

- Slovakia (Slovensko) - all regions
- Czech Republic (Česko) - coming soon

## Contact

- Website: https://homegrif.com
- Email: hello@homegrif.com
- Languages: Slovak, Czech, English

## Related Topics

- Home equity release Slovakia
- Reverse mortgage alternative Europe
- Spätná hypotéka Slovensko
- Doživotná renta z bytu
- Dôchodok z nehnuteľnosti
- Property pension CEE
- Fractional real estate investment

## Technical

- Platform: Node.js, Express, PostgreSQL
- Company: instarea, Bratislava, Slovakia
- Founded: 2024

## Legal

HomeGrif operates under Slovak financial regulations. All contracts include:
- Lifetime tenancy rights (vecné bremeno)
- Earlypass heir protection guarantee
- Transparent fee structure
- Right to cancel within 14 days