Home Equity Agreement Pricing
We believe in fair, transparent pricing. Detailed information about your HEA costs:
Find out how much cash you can access
Access your home equity without monthly payments or additional debt. Let's see what's possible today.
Now let's see how much it will cost
Maximum: ₮125,000,000 (20% of home value)
Your initial home value from the calculation above: ₮500,000,000
Hestia's share has a maximum annual return of 30% (annualized, compounded daily).
Including the origination amount
When you enter into a Home Equity Agreement with Hestia, Hestia's profit or loss value is related to changes in your home's value from the initial growth value at the time of contract formation. Hestia takes a percentage of your home's future value, which equals the amount of equity you use multiplied by 2.3. For example, if you use 10% of your home's value as cash, Hestia's share will be 23% (10% x 2.3). At contract termination, Hestia applies its share percentage to your home's updated value to calculate the payment amount. To protect families, Hestia limits the annual return to no more than 30% per year, providing predictable, fair payment terms.
Hestia Home Equity Agreement Scenario
5-year example investment & repurchasing scenario
This example scenario is one of many based on the estimated home value at repurchase.
Initial Home Value
Based on third-party valuations
Cash You Receive
Amount you choose to access (up to 20% of home value)
Hestia's Equity Share
Your amount X 2.3 Equity Multiple
Estimated Future Home Value
Based on a 4% appreciation rate
Estimated Payoff!
Hestia receives 57.5% of the new home value, equating to a 22.9% annualized cost over 5 years.
Your home appreciated by ₮108,000,000, and Hestia's share increased accordingly.
If the value stayed the same or declined, Hestia would share the risk with you.
Common Questions
What is the estimated payoff limit?
Your HEA's annual payoff limit is expressed as a percentage of investment return and is limited for the duration from the beginning to the end of the contract. This should be less than 30% IRR per year.
Are there prepayment penalties?
No, there are no prepayment penalties in Hestia's HEA. You can sell your home or buy back the contract at any time without additional fees.