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About Aparta
How does Aparta’s solution differ from a mortgage?
Where is Aparta available?
How does Aparta work?
What is Aparta?
Conditions and requirements
In what situations is Aparta not a good fit?
What kind of properties can Aparta invest in?
What requirements must I meet to qualify for Aparta?
Who is Aparta for?
Establishment and payout
Do I have to pay tax when I sell a share of my home?
When do I receive the payout, and what costs are deducted?
What does it cost?
How do I proceed if I want to sell a share to Aparta?
Agreement and terms
How are the terms (amount and share) of the agreement determined?
How long does the agreement with Aparta last?
What does the co-ownership agreement cover?
Who owns the home after I enter into an agreement with Aparta?
Use and obligations during the agreement period
Can I release more capital later (sell an additional share)?
Will Aparta inspect the home during the agreement period?
Can I track my home value and agreement status?
Can I rent out all or part of my home?
Can I renovate or make major changes to the home?
Who pays the costs related to the home?
What obligations do I have after selling a share to Aparta?
End of the agreement
Can the home be transferred to others?
Do I receive the full sales amount?
What happens if the home value increases or decreases during the co-ownership period?
Can I sell the home before the agreement period ends?
How is the settlement calculated when the agreement ends?
Bank, loans and refinancing
Can I change the repayment plan for my mortgage?
Can I take out new loans or refinance during the agreement?
What happens if I don’t pay interest and installments to the bank?
Does the bank need to approve the sale?
What happens to the mortgage if I enter into an agreement with Aparta?
Do I have to use the money to repay existing loans?
Does my mortgage affect how much I can sell to Aparta?