We understand that financial uncertainties can arise unexpectedly—whether it’s a job loss, medical emergency, or an unforeseen personal crisis. In such tough times, worrying about your home should be the last thing on your mind.

Unlike traditional banks and housing finance companies, which may offer a short-term moratorium or extend your loan tenure with added interest, we take a different approach to support you.

That’s why we’ve introduced the “Equity Cushion”, an innovative feature designed to give you financial flexibility and security when you need it the most.

What this feature allows is the opportunity to fall back on your purchased equity in the event you’re unable to make payments. This means you can have comfort in knowing your rent will be covered and you’ll continue have a roof over your head.

How Does the Equity Cushion Work?
When you purchase a home with us, you contribute an initial share towards the property (e.g., 20% equity ownership). This means you own a portion of your home from day one.

If, at any point, you are unable to make your monthly rent contribution, you can request to utilize a portion of your equity to cover the payment. This ensures that you and your family continue to have a secure home while you recover financially.

How Much Can the Equity Cushion Support You?
• With a 20% initial equity share, you could potentially cover between 2-4 years of rent, if required.

• As you increase your ownership stake over time, your equity cushion grows, giving you even more financial security.

When Should You Use the Equity Cushion?
To support you in instances of long-term illnesses or inability to work, we will allow you to utilise your equity if you wish to cover rent payments. We recommend using this feature only during critical financial hardships. Since each usage reduces your share of homeownership, it should be a last-resort safety net.

Your Security, Our Priority
If you are facing financial difficulties, don’t hesitate to reach out. Our team is here to help you explore solutions that work best for your situation.

Secure your home, safeguard your future – with our fair and ethical home financing model.