Apartment Purchase Price€500,000
MortgageDown payment
You don't need to buy all of a home to start owning part of one. Buying 100% today is not the only path to owning a home. If a full mortgage is not the right fit, pinyya offers another route.
You buy the share you can afford. You move in from day one as an owner. You pay for what you own and market-based rent on the rest. Grow your ownership as your life circumstances change.
.jpg)
.jpg)
We’re funding 19 more homes in 2026
pinyya’s 2026 funding capacity is limited. If ownership is in your plans this year, begin the process today.
pinyya’s 2026 funding capacity is limited. If ownership is in your plans this year, begin the process today.
Start with what is possible now.
A home is not an all-or-nothing purchase. Start with the share that fits today.
Live in your home now and grow your ownership over time.
The smartest way to own a home isn’t waiting, it’s starting with what you can afford.
Live in your home now and grow your ownership over time.
The smartest way to own a home isn’t waiting, it’s starting with what you can afford.
1. Choose a home that fits your life.
We assess the property, your eligibility, and what you can realistically afford.
Learn more
2. Buy the share you can afford.
You contribute the equity you have and finance the share that fits your circumstances, subject to checks and conditions.
Learn more
3. Move in. Own part. Rent the rest.
You live in the home as a part-owner. You pay for the share you own, market-based rent on the rest, and a transparent administration fee.
Learn more
4. Grow when it makes sense.
If your life and finances allow, you can grow your ownership. The options are set out in the agreed structure.
Learn more
Find out what you can already afford to own
Take a quick eligibility check to see whether pinyya could fit your path to ownership.
Check My Eligibility
What you pay.
What you own.
You own a defined share of the home from the start. You pay for that share, market-based rent for the part you do not own yet, and a clear administration fee.
Download Step-by-step Guide
O1
Your ownership share
You pay the costs linked to the part of the home you own.
O2
The remaining share
You pay market-based rent for the part you do not own yet.
O3
Administration
You pay a small, fair administration fee.
Waiting can make the same home more expensive.
Saving for a full deposit takes time. And while you wait, the price of the home you want may keep moving.
A €500,000 home growing at 4% per year would cost around €658,000 in 7 years. That is around €158,000 more for the same home.
With pinyya, you may be able to buy the share you can afford today and move in as a part-owner from day one, rather than waiting until a full mortgage fits.
Your eligibility, ownership share, monthly costs, and options depend on the property, affordability checks, and the agreed structure.
*Property values can rise or fall. This example is indicative only and does not guarantee a future outcome.
A €500,000 home growing at 4% per year would cost around €658,000 in 7 years. That is around €158,000 more for the same home.
With pinyya, you may be able to buy the share you can afford today and move in as a part-owner from day one, rather than waiting until a full mortgage fits.
Your eligibility, ownership share, monthly costs, and options depend on the property, affordability checks, and the agreed structure.
*Property values can rise or fall. This example is indicative only and does not guarantee a future outcome.
“Home ownership should fit real lives. pinyya was built to make it possible to start with what you can afford, then grow from there.”
Thomas Koeck
pinyya CEO & Co-Founder
Former CEO of s Bausparkasse, start:bausparkasse AG and IMMO BANK AG
Former CEO of s Bausparkasse, start:bausparkasse AG and IMMO BANK AG
A home is personal.
The structure behind it should be clear.
You buy a defined share of the home. Investors fund the remaining share through a separate property structure. We call this Aligned Ownership. Each property has its own structure, trustee administration, and independent live valuation reporting. Before you proceed, we explain the terms, costs, and your options.
You no longer need to fit a bank template to afford a home.
pinyya may be relevant if you are buying a home to live in and a full mortgage does not fit your situation today.
That may include people with variable income, a non-linear career, limited local income history, or a deposit that is meaningful but not enough for a full purchase.
That may include people with variable income, a non-linear career, limited local income history, or a deposit that is meaningful but not enough for a full purchase.
A clear structure
Your ownership share and terms are defined before you decide.
Own from day one
Once your purchase is completed, you own the defined share set out in your agreement.
Flexibility when life changes
If circumstances allow, you may be able to grow, keep, or reduce your share under the agreed structure.
Clear costs before you commit
Your costs and terms are set out before you make a decision.
FAQs
Everything you might be asking about pinyya. Can’t find the answer you’re looking for? Please chat to our friendly team.
Is pinyya a mortgage?
No. pinyya is an Aligned Ownership model for eligible home buyers. You buy a defined share of the property you will live in. Investors fund the remaining share through a separate property structure.
Do I own part of the home from day one?
When the purchase is completed, you own the defined share set out in your agreement. You live in the home as an owner and rent the part you do not own yet.
What will I pay each month?
You pay the costs linked to the share you own, market-based rent for the part you do not own yet, and a transparent administration fee. We explain the relevant costs and terms before you proceed.
Can I buy more of the home later?
Yes. You are able to increase your ownership over time, subject to your circumstances, the property structure, and the agreed rules. This is not automatic, and the available options will be explained clearly.
Can I choose any property?
pinyya is designed for suitable owner-occupied residential apartments. The property and your eligibility are assessed before a transaction can proceed.
What happens if my circumstances change?
Aligned Ownership is designed to offer more flexibility than an all-or-nothing purchase. Depending on the agreed structure and what is available, options may include buying more, keeping your current share, reducing your share, or selling the home.
Still have questions?
Can’t find the answer you’re looking for? Chat to our friendly team today.
See if you can buy an apartment now.
Answer a few quick questions and see instantly whether your savings and monthly budget are enough to buy through pinyya.
