Many senior homeowners find themselves with limited disposable income despite holding significant equity in their homes. Traditional options for accessing this equity, such as reverse mortgages or selling, can be complex, carry high fees, or require relinquishing ownership. This creates a need for alternative solutions that allow seniors to leverage their home equity for immediate financial needs while maintaining control and ownership of their property.

Merci Prosper offers a financial service tailored for senior homeowners, enabling them to convert a portion of their home equity into liquid assets without needing to move or take out a loan. Through a "Contrat Prosper," Merci Prosper purchases a fraction of the property—between 10% and 50%—becoming a co-owner while the senior retains the right to live in the home. In exchange for the partial purchase, an occupancy indemnity is deducted from the purchase value. This arrangement allows seniors to access funds for various needs, such as healthcare, travel, or improving their living standards, while still preserving their ability to pass on the remaining property to their heirs.

Partial home equity release without requiring a move or a loan

Co-ownership model validated by notarial act under the French Civil Code

Option to receive funds as a lump sum or monthly payments

Ability to remain in the home and maintain full usage rights

Freedom to sell the property or repurchase Merci Prosper's share at any time

Opportunity to transmit the remaining property to heirs

Option to rent the property for short durations and collect 100% of the rental income

Eligibility for homeowners aged 65 and over in most French cities with over 30,000 residents

Merci Prosper primarily targets homeowners aged 65 and above who are seeking to improve their financial autonomy by unlocking a portion of their home equity without selling or incurring debt.