Welcome to the home of sustainable financing
Green loans for evergreen people
HemKapital offers seniors a novel solution to monetise the equity in their homes and enable transition to sustainable, greener way of living.
HemKapital is more relevant day by day
Perfect timing with a developing global energy transition and climate crisis
Background
Due to spiking energy prices and inflation many senior citizens (+60) cannot afford to stay in their own homes or make home improvements, even though they oftentimes have fully amortized their house. Investment in modern energy systems could drastically reduce both cost of living and carbon footprint. Their often relatively low income (pension) effectively block them from borrowing.
HemKapital solution
HemKapital enables senior citizens to borrow for necessary green investments, generating a positive monthly cash flow (reduced cost) while reducing the carbon footprint. We do this by providing mortgage-backed loans with rolled up interest (no monthly charge). Our model guarantees an improved monthly cash flow combined with access to modern and efficient technology giving them a higher disposable income, which can provide for them staying in their own homes as long as they want.
What is equity release?
An Equity Release product enables elderly homeowners to convert part of the equity value in their homes into available cash without having to sell their home or take on new monthly mortgage payments. This internationally recognized product includes a no negative equity guarantee and is in its legal form a mortgage loan without time restrictions or on-going amortization/interest payments.
