For residents
Your home. No bank required.
No credit checks. No Euribor. No interest rates. No years of waiting. Most people are not refused a home because they cannot afford it — they are refused because a bank decided they do not fit a formula. Kaplan Holdings exists for that moment. You move in as a part-owner from day one. Fixed monthly payment. No hidden fees. No pressure. Just ownership — building quietly, every month.
How we compare
| Renting | Bank mortgage | Kaplan | |
|---|---|---|---|
| Ownership from day one | No | Yes, but pledged to the bank | Yes |
| Deposit required | 1–3 months rent | 20%+ | Small initial stake |
| Builds equity monthly | No | Yes | Yes |
| Eviction risk | High | On default | 6-month grace period |
| Capital gain at exit | None | Yours, minus debt | Pro-rata to your stake |
| Setup cost | Low | High (fees, taxes) | Low |
How your monthly payment is split
| Part | Where it goes | Why | Example |
|---|---|---|---|
| Usage fee | Kaplan Holdings | For use of invested capital | approx EUR 415 |
| Your equity | Builds your ownership percent every month | Automatic monthly share increase | included above |
| Kaplan fee | Administration and oversight | Contracts, reporting, reserve management | approx EUR 150 |
| Reserve fund | Shared account — your money | Repairs and maintenance | approx EUR 35 |
| Total | vs market rent approx EUR 750 | EUR 600 |
All figures illustrative for a EUR 200,000 apartment. Exact split agreed per deal and written into your contract. Reserve fund is your money — returned proportionally at sale if unused.
Not a bank. A partnership.
There are no interest rates here. No Euribor. No variable rate that climbs while you sleep. Your monthly payment is fixed and predictable — part goes to your investor partner, part quietly grows your ownership share.
This is not a loan. This is not a tenancy. This is a home you actually own from the first day you walk through the door. Your investor is not a landlord. They are a partner who wants the same thing you do — for this property to grow in value, and for you to stay as long as you choose. When you take care of the home, you are taking care of your own asset. Because it is yours.
Everything is documented. Every agreement is signed, notarised, and registered with the relevant legal authority in your country. Your ownership share is recorded — not promised. No hidden fees. No surprises. No pressure. We are a private partnership built on one principle: when you do well, we do well. That is the only alignment that works.
If payments stop
If payments stop during the initial 6 months, your accumulated ownership share reduces proportionally to reflect the unpaid balance.
After 6 months of non-payment, full forfeiture of the stake occurs. However, the accumulated time spent in the property represents a substantial benefit, as you have paid far below market-rate rent during your residence — which holds distinct, realized value.
Exit Scenarios
Resident buys out investor
You can acquire the investor's share to become the full owner whenever you are ready. No bank mortgage is required.
Both sell together
When market conditions are favourable, both you and the investor can agree to sell the property on the open market, splitting all proceeds proportionally based on stakes.
Investor sells to another investor
The investor can sell their share privately to another partner. As the resident, you hold the first right of refusal to buy it.
Resident stops paying
Following a structured 6-month grace period with no resolution, ownership of the property reverts fully to the investor.
Long-term hold
There is no forced exit timeline. The investor remains an aligned partner as long as needed, while you earn further equity monthly.
Apply to join
Tell us a little about what you are looking for. We will be in touch within two business days to discuss next steps. No commitment required. We consider all property types and sizes — houses, apartments, studios and smaller units. Property size is not a barrier. What matters is location potential, resident fit and long-term value. Every application is reviewed individually.
All applications are reviewed in compliance with applicable data protection law. Your information is never shared without your consent. We typically respond within two business days.