A Good Retirement from Housing
HomeGrif is an intergenerational wealth transfer platform that unlocks home equity for better retirements.
The 'Husákove deti' generation (born 1970-1980) faces a unique retirement crisis. 70%+ own homes, but wealth is illiquid 'dead capital'. State pension ~€606/month is insufficient for dignified retirement.
HomeGrif unlocks your home equity while guaranteeing lifetime residence. You receive monthly rent, stay in your home, and can help your children right now.
Monthly payments from your home's value. No time limit — rent continues to 100, 110+ years.
Legally protected right to live in your home for life.
You remain the legal owner of the property.
Transfer wealth when they need it most — mortgage, education, not after death.
If you pass early, heirs receive 50% of remaining value.
We serve various life situations:
Cash flow from paid-off property. 'Your home is your second pension.'
Children need mortgage down payment. 'Help your kids when they need it.'
Consume assets during lifetime. 'Enjoy what you've earned.'
Income for early retirement. 'Earlier retirement.'
Traditional sale vs HomeGrif:
Must move out, lose community/neighbors, one-time payment (spending risk), complex moving logistics, emotional trauma.
Stay in your home, keep your life, guaranteed lifetime income, zero lifestyle disruption, dignity preserved.
Transparent parameters of our product:
No hidden conditions, everything clear in contract.
Win-win for both rentier and investor.
Designed from retiree's perspective.
Relationship for decades, not one-time sale.
We believe in maximum openness. All our documents including technical specification, backlog and roadmap are publicly available. We only hide operational data and security information.
Living document • Last updated: December 2024 • v2.2.0