Strategic Opportunity in Home Equity
New market in saturated mortgage space. First mover in CEE home equity release segment.
Why financial groups should invest in HomeGrif:
New market in saturated mortgage space. No direct competition in CEE.
Strong CSR theme: 'Saving retirement for Husákove deti'. Marketing pedestal for entire generation.
Long-term assets (27-year average contract). Stable 6-7% p.a. yield.
Mortgages for rentier children. Natural product continuity.
White-label ready, digital onboarding. Phygital distribution through branches.
New pension product for pension funds and financial groups:
6-7% p.a. expected return. Low volatility tied to real estate.
Helping an entire generation. ESG compatible product.
Designed for SK/CZ legal framework. Regulator cooperation.
Model replicable to CZ, PL, HU. Unified platform.
Phygital approach - digital platform with human touch:
Lead generation via homegrif.com. Self-service rent calculation.
Personal consultations for seniors. Trusted channel.
Integration into existing advisory. Cross-sell opportunities.
Platform under partner branding. Quick integration.
Phased approach to expansion:
Direct sales via homegrif.com. Case studies and social proof. Product-market fit validation.
Partnership with bank/financial group. Distribution through branch network. White-label platform.
Czech Republic with partner. Subsequently Poland, Hungary.
Digital, scalable, white-label ready.
Connects rentiers with investors. Network effect.
Local expertise, regulatory knowledge.
Solves both parent and child needs. Unique positioning.
Living document • Last updated: December 2024 • v2.2.0