Home Equity offers a fully digital platform that lets Brazilian homeowners and commercial property owners obtain home‑equity loans using their paid‑off assets as collateral. The service aggregates offers from multiple banks to provide the lowest rates (starting at 1 % + IPDA per month) and the longest terms (up to 240 months), with flexible repayment options including up to six months of payment deferral.
Funding
Funding not disclosed
Founders
Product
Problem
Many individuals and businesses need sizable credit for purposes such as working capital, debt consolidation, or property improvements, but traditional unsecured loans often carry high interest rates and short repayment windows, limiting affordability.
Solution
Home Equity operates a digital fintech platform that enables borrowers to obtain home‑equity loans by using a fully paid‑off residential or commercial property as collateral while retaining ownership. The platform aggregates offers from multiple partner banks, selects the lowest interest rate (starting at 1 % per month plus IPCA) and the longest repayment terms (up to 240 months), and presents the chosen product to the client. The application process is fully online and consists of four steps: simulation, rapid credit and property assessment, electronic contract signing, and disbursement of funds. Borrowers can defer payments for up to six months and benefit from optional “pula parcela” options that allow a single‑time payment skip per year.
Target Audience
Primary customers are Brazilian homeowners and commercial property owners—both individuals and small‑to‑medium enterprises—seeking lower‑cost, long‑term financing for capital needs, debt repayment, or property projects.
Features
- Digital end‑to‑end workflow: simulation, automated property and credit evaluation, e‑signature, and instant fund transfer
- Access to a multi‑bank marketplace that matches borrowers with the most favorable rates and longest terms
- Loan amounts starting at R$ 100 000 with flexible amortization schedules (36 to 240 months) and price‑transparent pricing (1 % + IPCA monthly)
- Payment deferral of up to 180 days and a once‑per‑year “pula parcela” option for temporary cash‑flow relief
- Eligibility for both individuals (PF) and legal entities (PJ) who own up to 60 % of a residential or commercial property, including properties owned by first‑degree relatives
- Fully digital documentation and compliance as a certified banking correspondent under Brazilian resolution 3.954