Stop renting.
Start owning.

Buy the share of a home you can afford. Move in as an owner from day one and grow your ownership over time.
Check My EligibilitySee how pinyya works
Start owning with just a 5% down payment
Live in the home while you grow your ownership
Clear fees, clear ownership, clear next steps
Transparent fees
Regulated ownership structure
Built for real people

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.
Download Step-by-step Guide

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

No hidden fees. No mystery maths

Your costs are split into clear parts
Upfront
You bring a smaller down payment to buy your first share, rather than the full amount a bank would usually expect for financing 100% of the property.

There is also a one-time setup fee to cover structuring and documentation.
Your monthly cost combines:
- The cost linked to the share you already own.
- A fair, market-based rent for the share you do not yet own.
- A small management fee, currently modelled at around €25 per month per project.
The goal is that your monthly cost feels comparable to paying rent for a similar home, with one major difference: part of what you pay is building your own equity.

Apartment Purchase Price€500,000

MortgageDown payment
80% 20%

20% Down PaymentContribution

Youpinyya
10% 10% You€25,000 pinyya€25,000

Ownership Shares(Equity Split)

Youpinyya
60%* 40%

You pay 50% of the down payment and own more than 50% of the home from day one.*Illustrative average. Your exact ownership share depends on your individual circumstances.

Waiting is the expensive option

Saving for a full deposit is a race against the price of the house you're saving for. Meanwhile the rent goes out every month and none of it comes back.

Perfect conditions may never come. A smaller share is available now.

Rent keeps leaving your account either way.

Property prices may continue moving while you wait.

Starting earlier means at least part of your monthly payment can begin building your equity.

See what you could start owning today

If you already have some savings, the most useful next step is not more reading. It is getting your number. Use the calculator to see what may be possible now, then decide whether you want to speak to the team.
Smaller starting down payment
Clear ownership and fees
Flexible path to grow over time