HomeGrif

HomeGrif enables homeowners aged 50+ to unlock the equity in their property without selling it outright or taking on debt. The product follows the viager model used in France for centuries: the homeowner sells the property at a reduced price reflecting their lifetime tenancy, receives a lump sum and/or lifetime monthly rent, and stays in the home with lifetime tenancy legally recorded in the land registry (věcné břemeno dožití). No debt is created, no interest accumulates, no monthly payments are owed.

Reverse mortgages and equity release loans create debt that accumulates interest over the homeowner's lifetime — the accumulated debt is repaid from the property sale after death, sometimes exceeding the home's value. HomeGrif is fundamentally different: it is a sale with lifetime tenancy, not a loan. No debt is created, no interest accumulates, and heirs don't inherit any obligation. In the Czech Republic, the only equity release loan available is FINEMO's 'zpětná hypotéka' at 9.9% p.a. annual interest — HomeGrif is the no-debt alternative.

HomeGrif is not yet launched in any country. A research and measurement prototype is live in the Czech Republic (homegrif.cz) and Slovakia (homegrif.sk), with homegrif.com for the international audience; we use it to test demand, the calculator and the legal framework. The product is designed specifically for the Central European market, where traditional equity release options are limited, and we are looking for a financial partner / backer to launch it.

Yes. HomeGrif operates under civil law (občanský zákoník in CZ, občiansky zákonník in SK) as a property sale with lifetime tenancy right — a well-established legal construct. The tenancy right is recorded in the land registry, providing constitutional-level protection of the homeowner's right to live in the property for life. Additional consumer protection comes through Earlypass, which protects heirs if the homeowner dies within the first 5 years of the contract.

HomeGrif is designed for property owners 50+ in Central Europe who: (a) own their property outright without mortgage, (b) want to unlock property equity without selling and moving, (c) want to avoid creating debt, (d) need monthly income supplement, lump sum, or both. Typical client: retired or pre-retired, 60–75, apartment or house worth 2 million CZK / €80,000 or more, limited cash savings but significant property wealth.

Earlypass is HomeGrif's proprietary feature that protects heirs in case the homeowner dies within the first 5 years of the contract. A portion of the property's value is returned to heirs, ensuring that an unexpected early death does not leave the family with no inheritance. This makes HomeGrif meaningfully safer than simple viager contracts, where early death historically meant total loss of property value for the family.