Buy your home without a loan — and without interest.
A mortgage lends you money and charges you for it. We do something different: we buy the home with you. You are a co-owner from the first day, you pay rent only on the share you don't own yet, and every month you buy a little more — until the whole home is yours. There is no loan, no interest rate, and no penalty for finishing early.
How it works, step by step
What your monthly payment buys
Every payment is split openly into two parts, and you can see both on-chain:
- Equity — you buy ownership units from the investors. This is not a fee; it is your money converting into your home, month after month.
- Rent — you pay for using the share of the home you don't own yet, and only that share. As your ownership grows, this part falls automatically.
An illustration
| Home price | $300,000 |
| Your down payment (15%) | $45,000 — you own 15% today |
| Funded by investors | $255,000 (85%) |
| Market rent for the whole home | $1,800 / month |
| Your rent this month | 85% of $1,800 = $1,530 |
| Your rent once you own half | 50% of market rent = $900 |
| Your rent at 100% ownership | $0 — you're done |
Illustrative numbers. Actual unit prices come from independent appraisals and actual rent from surveys of comparable homes in your market — both published per property.
How it compares to a mortgage
| KRealtyProperty co-ownership | Typical mortgage | |
|---|---|---|
| What it is | A partnership. You and the investors own the home together; you buy them out over time. | A loan. The bank owns a claim against you, secured by your home. |
| Interest | None. No rate, no compounding, nothing indexed to it. You pay market rent on the share you don't own. | The core of the product — most of your early payments are interest, not ownership. |
| Ownership on day one | Real and recorded. Your down payment is ownership units in your name on a public ledger. | You hold title, but the lender holds a lien over all of it until the loan is gone. |
| Cost over time | Falls every month — rent is charged only on the shrinking share you don't own yet. | Fixed schedule regardless of how much you've already paid; interest is front-loaded. |
| Paying off early | Any month, no penalty. Buy as many extra units as you want at the current fair price. | Allowed, but some loans carry prepayment penalties; refinancing costs extra. |
| Insurance & major repairs | Shared pro-rata. The investors pay their share of insurance and structural repairs for as long as they co-own. You cover day-to-day upkeep. | All on you, from day one, even when the bank financed 95% of the house. |
| Transparency | Everything on-chain — your ownership %, every payment, every rent adjustment, publicly verifiable. | A statement in the mail. |
Fair pricing, by design
- Unit prices follow real value. When you buy more of your home, the price references current independent appraisals — posted on-chain with a public review window — not a repayment schedule dressed up as a sale.
- Rent follows real rents. Rent is benchmarked to actual comparable homes in your market and renegotiated at intervals — it is not indexed to any interest rate.
- Risk is genuinely shared. If it's worth more, your share is worth more and so is theirs. Co-ownership means both sides own the outcome.
Common questions
Can I finish early?
Yes. Any month you can buy extra units on top of your scheduled amount — there is no penalty and no fee for doing so. Every extra unit you buy cuts your rent immediately.
Who pays for maintenance?
Day-to-day upkeep is yours, like any homeowner. Insurance, casualty risk, and major structural repairs are shared pro-rata with the investors for as long as they co-own the home — that's what genuine co-ownership means, and it's the part most look-alike products quietly skip.
Is this a loan with different words?
No — and you don't have to take our word for it. The contracts are published, and every ownership transfer, rent payment, and buyout is a public on-chain record. You can verify that the mechanics match the description, or have anyone you trust verify it for you.
What do I need to qualify?
Identity verification (KYC) and a down payment of at least 15%. Eligibility is enforced on-chain for everyone — buyers and investors alike.