Same monthly payment. Same home. Wildly different outcomes.
Drag the sliders. See the math. Then decide.
Traditional 25-year mortgage
Gone forever. The bank keeps this. You get nothing back.
This tiny amount is your actual ownership gain.
Ideal if: You want to live in the property from day one.
You would pay this rent anywhere. Not wasted. It is the cost of living.
Zero. Not low. Not introductory. Always zero with Owne.
Ideal if: You're living with family, paying low rent elsewhere, or planning ahead.
Not living there yet. No rent. Zero interest. Always.
Increase your monthly principal payment anytime. When you pay more than the required amount, you also earn a price discount on the property. Close the house entirely. No bank, no loan, no interest.
Remaining loan: just ₹53L. You could save roughly ₹51L in interest compared to a full bank loan today. Your 3 years of payments make you home-loan ready with a proven track record.
Life changed? No problem. Get your accumulated principal back with a small exit fee. It is a safety net built into every contract, not a trap.
*Illustration only. Actual numbers vary by property, location, and eligibility. Interest rate assumption: 8.5% p.a., 25-year tenure.
Here is what a ₹1 Crore home actually costs you through a bank. And why Owne exists.
At 8.5% for 25 years, you pay the bank more than the home itself. For the first decade, over 80% of your EMI is pure interest. You are paying, but you are barely owning.
Freelancers, gig workers, small business owners, people with low CIBIL scores or irregular paperwork. Banks reject anyone who does not fit a rigid template. The problem is not you. The system was not built for you.
While you spend years saving for a down payment, property prices sprint ahead. The home you could afford last year now costs 10 lakhs more. The goalpost moves faster than your savings grow.
Banks approve loans that eat half your salary. What remains after rent, groceries, school fees, insurance? Nothing. The home was supposed to be the dream. Instead, it becomes the cage.
Sources: RBI Housing Finance Reports; NHB Trend and Progress Reports; Knight Frank India Affordability Index. The 70% figure reflects industry estimates from NHB/RBI data on mortgage penetration gaps in urban India.
No paperwork nightmares. Just a clear path to your own front door.
Browse our RERA-verified listings or bring us a property you love. New construction or resale. We verify everything before it goes live.
Sign a government-registered deed that freezes your home's price from day one. Markets go up, your price stays put. No more watching prices climb while you save.
Move In: live in the property, pay rent + principal. Move Later: every rupee is pure equity. Your call, your pace.
Watch your ownership percentage grow in real time through our transparent escrow system. Every payment is tracked, every rupee counted.
At contract end, pay the remaining balance to own outright. Or take a much smaller home loan. Or extend. Your choice, your timeline.
Every layer of the Owne structure is designed so your money is safe and your rights are enforceable.
Every property is RERA-compliant and independently verified before listing. No exceptions, no shortcuts.
Your money sits in a regulated bank escrow account. Funds are released only per the registered agreement terms. Not Owne, not the seller. Only the contract.
Every contract is a legally binding, government-registered deed. Not a promise. Not an MoU. A deed enforceable by law.
Life is unpredictable. Every Owne contract includes an exit clause with principal return (exit fee applies). No lock-in traps.
Not low interest. Not introductory rates that jump later. Zero. Every rupee of your monthly payment reduces what you owe. That is it.
From property discovery to ownership tracking, everything is digital, auditable, and accessible from your phone anytime.
Every metric, side by side. See why the old ways cost you more.
| 🏦 Bank Loan | 🏠 Renting | ✨ Owne | |
|---|---|---|---|
| Interest Charged | 8.5% (₹1.4 Cr+ on ₹1 Cr) | N/A (no ownership) | Zero. ₹0 interest. Always. |
| Down Payment | 20-25% mandatory | None | 10% onwards |
| Monthly Payment | High EMI (55-65% interest) | Rent (builds nothing) | Rent + Principal (100% equity) |
| Equity After 3 Yrs | ~5-8% of property | 0% | 20-50% of property |
| Legal Protection | Mortgage agreement | Rental agreement only | Registered ATS + Escrow |
| Price Lock | Locked at purchase | Annual rent hikes | Locked on Day 1 by deed |
| Exit Flexibility | Prepayment penalties | Leave anytime | Clean exit + principal back |
| Credit Score | 750+ required | None | No minimum score needed |
Struggling to find the right buyer? Owne connects your property with qualified, committed buyers who are ready to move in and pay monthly toward full ownership.
Receive the full sale amount from our investor network immediately. No waiting months for a buyer's bank loan approval.
Every Owne buyer has already paid a down payment and signed a registered Agreement to Sell. These are not window shoppers.
Owne handles all legal documentation, RERA compliance checks, escrow setup, and buyer onboarding. You just sign and get paid.
We connect sellers with committed buyers backed by investor capital. No need to slash prices to close a deal.
New build, resale apartment, villa, or a property sitting on the market. If someone can live in it, Owne can sell it.
Every transaction is backed by registered agreements and escrow protection. Full transparency at every step.
Owne buyers are pre-qualified and financially committed from Day 1.
We connect your property with a qualified buyer within a month.
List your property on Owne for free. Pay only on successful deal close.
Submit your property details. Our team verifies title, RERA status, and pricing.
Owne matches your property with a pre-qualified, committed buyer from our waitlist.
Our investor network funds the purchase. You receive the full sale amount, no delays.
Invest in a property with a committed buyer. Earn monthly returns while helping a family own their home.
Browse pre-vetted property requests from future homebuyers. See the property, location, buyer profile, and projected returns.
The property is registered in your name or a Special Purpose Vehicle. You hold the asset. Full ownership, fully asset-backed.
An Agreement to Sell is executed with the homebuyer, including rent-to-own terms and escrow protection. You earn monthly rental income.
Full ownership under your name or SPV. You hold the real asset.
All payments flow through escrow. Released only as per agreement terms.
Legally binding Agreement to Sell with rent-to-own conditions.
Passive income, asset security, and social impact.
Decades of experience in real estate development, structured finance, and investment banking. We know exactly where the system fails buyers. That is why we built Owne.
Built 500,000+ sq ft of affordable housing. Realised the real problem was not supply. It was the payment model.
Led complex residential projects from blueprint to handover. Process discipline meets genuine care for buyers.
Structures deals so that buyer-investor incentives align perfectly. Makes sure the math is fair for everyone.
These are not customer testimonials. Owne has not launched yet. These are real conversations with families who joined the waitlist after seeing the numbers.
"We earn ₹2.5 lakh a month combined. But neither of us has a salary slip. Three banks said no. Paul showed us the Owne calculator over chai. For the first time, someone showed us a path that did not begin with proving we are worthy."
On Waitlist"I could get a bank loan. That was not the problem. I opened a spreadsheet one Sunday and calculated the real cost: ₹75 lakh loan at 8.5% for 25 years. ₹1.2 crore in interest. That number broke something in me. With Owne, every rupee goes to principal. The math convinced me."
On Waitlist"Seven years of renting. Watching rent climb from ₹18,000 to ₹32,000. Every year I save, every year prices outrun me. When Paul explained that Owne locks the price on day one with a registered deed, it felt like the treadmill finally stopped."
On WaitlistYes. Not low interest. Not introductory rates that jump later. Zero. Every rupee of your monthly payment goes toward reducing what you owe on the property. There is no compounding, no hidden finance charges, no fine print that changes the deal.
Owne earns a success fee from the transaction: from buyer, seller, and investor only when a deal closes. Listing, access, and browsing is free. We earn only on success. Our incentive is aligned with yours: we succeed when the deal closes cleanly for everyone.
Every Owne contract includes a built-in exit clause. You can exit early and receive your accumulated principal back, minus a predetermined exit fee. The exact terms are spelled out in your registered agreement before you sign. No surprises, no traps.
Every Owne agreement is a government-registered deed, not an informal promise. Your payments sit in a bank-managed escrow account. The property is RERA-verified. Your price lock and ownership rights are enforceable by law.
If you have a down payment and can commit to monthly payments, you can use Owne. No CIBIL score requirement. No salary slips. No employer verification. Owne was built specifically for the millions of Indians the banking system excludes.
You have three options. One: pay more monthly to close the house entirely without a loan, and earn a price discount. Two: take a much smaller home loan for the remaining balance. Three: exit and get your principal back (exit fee applies). Every option is written into your agreement from day one.
No. With renting, your money is gone each month. With Owne, your payment splits into rent (if you are living there) and principal (which builds your ownership). You have a registered legal right to buy the property at the locked price. You are not a tenant. You are on a path to ownership.
Yes. With Owne, you can start from just 10% down payment regardless of the property value. Banks require 10-25% based on RBI norms. With Owne, your 3-year journey builds equity and a payment track record, making you home-loan ready by the end of the contract.
Every extra rupee goes to principal. Use the slider on our calculator to see how fast you can close. Pay enough and you can own 100% of your home in under 3 years. No bank ever needed. There is no prepayment penalty.
If you move in, the rent component qualifies for HRA exemption under Section 10(13A), which can provide significant tax savings, often more than the Section 24 and 80C deductions available with a bank loan. Consult your CA for personalised advice.
Two minutes. No documents. No commitments. Just clarity.
All calculations, projections, and illustrations on this page are for informational purposes only and do not constitute financial, legal, or investment advice. Actual terms, numbers, and outcomes may vary based on property type, location, market conditions, and individual eligibility.
The 8.5% per annum interest rate on a 25-year tenure used in comparisons is an industry benchmark assumption for illustration purposes. Your actual bank loan rate may differ.
Owne facilitates rent-to-own arrangements between home buyers and property investors. Owne earns a success fee from buyer, seller, and investor on deal close. All agreements are registered under applicable Indian laws. Escrow accounts are maintained with regulated banking partners. Past projections do not guarantee future outcomes.
"RERA-verified" refers to individual properties listed on the platform, not the Owne platform itself. Source data for market statistics is drawn from RBI, NHB, and Knight Frank India reports.
Same monthly payment. Same home. Wildly different outcomes.
Drag the sliders. See the math. Then decide.
Traditional 25-year mortgage
Gone forever. The bank keeps this.
This tiny amount is your actual ownership gain.
Live in the property from day one.
You would pay this rent anywhere. Not wasted.
Zero. Not low. Not introductory. Always zero.
Living with family or paying low rent elsewhere? Plan ahead.
Not living there yet. No rent. Zero interest.
Increase your monthly principal payment anytime. When you pay more than the required amount, you also earn a price discount on the property. Close the house entirely. No bank, no loan, no interest.
Remaining loan: just ₹53L. You could save roughly ₹51L in interest compared to a full bank loan today. Your 3 years of payments make you home-loan ready with a proven track record.
Life changed? No problem. Get your accumulated principal back with a small exit fee. It is a safety net built into every contract, not a trap.
*Illustration only. Actual numbers vary by property, location, and eligibility. Interest rate assumption: 8.5% p.a., 25-year tenure.
Here is what a ₹1 Crore home actually costs you through a bank. And why Owne exists.
At 8.5% for 25 years, you pay the bank more than the home itself. For the first decade, over 80% of your EMI is pure interest.
Freelancers, gig workers, small business owners, people with low CIBIL scores. Banks reject anyone who does not fit a rigid template.
While you spend years saving for a down payment, property prices sprint ahead. The goalpost moves faster than your savings grow.
Banks approve loans that eat half your salary. The home was supposed to be the dream. Instead, it becomes the cage.
Sources: RBI Housing Finance Reports; NHB Trend and Progress Reports; Knight Frank India Affordability Index.
No paperwork nightmares. Just a clear path to your own front door.
Browse our RERA-verified listings or bring us a property you love.
Sign a government-registered deed that freezes your home's price from day one.
Move In: live in the property, pay rent + principal. Move Later: every rupee is pure equity.
Watch your ownership percentage grow in real time through our transparent escrow system.
Pay the remaining balance to own outright. Or take a smaller home loan. Or extend.
Every layer of the Owne structure is designed so your money is safe and your rights are enforceable.
Every property is RERA-compliant and independently verified.
Your money sits in a regulated bank escrow account.
Every contract is a legally binding, government-registered deed.
Exit clause with principal return. No lock-in traps.
Not low interest. Not introductory rates. Zero.
Everything digital, auditable, accessible from your phone.
| 🏦 Bank Loan | 🏠 Renting | ✨ Owne | |
|---|---|---|---|
| Interest | 8.5% (₹1.4 Cr+) | N/A | Zero. Always. |
| Down Payment | 20-25% | None | 10% onwards |
| Equity After 3 Yrs | ~5-8% | 0% | 20-50% |
| Price Lock | At purchase | Annual hikes | Day 1 by deed |
| Exit | Prepay penalties | Anytime | Principal back |
| Credit Score | 750+ required | None | No minimum |
Owne connects your property with qualified, committed buyers who are ready to move in and pay monthly toward full ownership.
Receive the full sale amount from our investor network immediately.
Every Owne buyer has paid a down payment and signed a registered Agreement to Sell.
Owne handles all legal documentation, RERA compliance, escrow setup, and buyer onboarding.
No need to slash prices to close a deal.
New build, resale apartment, villa, or property sitting on the market.
Every transaction backed by registered agreements and escrow protection.
Invest in a property with a committed buyer. Earn monthly returns while helping a family own their home.
Passive income, asset security, and social impact.
Built 500,000+ sq ft of affordable housing.
Led complex residential projects from blueprint to handover.
Structures deals so buyer-investor incentives align perfectly.
Real conversations with families who joined the waitlist after seeing the numbers.
"We earn ₹2.5 lakh a month combined. But neither of us has a salary slip. Three banks said no. For the first time, someone showed us a path."
On Waitlist"I opened a spreadsheet one Sunday. ₹75 lakh loan at 8.5% for 25 years. ₹1.2 crore in interest. That number broke something in me. With Owne, every rupee goes to principal."
On Waitlist"Seven years of renting. Watching rent climb from ₹18,000 to ₹32,000. When Paul explained Owne locks the price with a registered deed, the treadmill finally stopped."
On WaitlistYes. Not low interest. Not introductory rates that jump later. Zero. Every rupee of your monthly payment goes toward reducing what you owe on the property.
Owne earns a success fee from the transaction: from buyer, seller, and investor only when a deal closes.
Every Owne contract includes a built-in exit clause. You can exit early and receive your accumulated principal back, minus a predetermined exit fee.
Every Owne agreement is a government-registered deed. Your payments sit in a bank-managed escrow account. The property is RERA-verified.
If you have a down payment and can commit to monthly payments, you can use Owne. No CIBIL score requirement. No salary slips.
Three options: Pay more to close without a loan and earn a price discount. Take a smaller home loan. Or exit and get your principal back.
No. With Owne, your payment splits into rent and principal which builds ownership. You have a registered legal right to buy at the locked price.
Yes. With Owne, start from just 10% down regardless of property value.
Every extra rupee goes to principal. No prepayment penalty.
The rent component qualifies for HRA exemption under Section 10(13A). Consult your CA for personalised advice.
Two minutes. No documents. No commitments. Just clarity.
All calculations and illustrations are for informational purposes only. Actual terms may vary. Interest rate assumption: 8.5% p.a., 25-year tenure. "RERA-verified" refers to individual properties, not the Owne platform. Owne Real Estate Pvt. Ltd. · Bengaluru, India
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Stay updated on the latest happenings in the Indian Real estate Whether it’s residential, commercial, property investment, tech, or finance, we deliver it in a flash straight to your inbox.
We don't spam, promised. Only two emails every month, you can
opt out anytime with just one click.
Subscribe to Owne-Newsletter
Stay updated on the latest happenings in the Indian Real estate Whether it’s residential, commercial, property investment, tech, or finance, we deliver it in a flash straight to your inbox.
We don't spam, promised. Only two emails every month, you can
opt out anytime with just one click.
Subscribe to Owne-Newsletter
Stay updated on the latest happenings in the Indian Real estate Whether it’s residential, commercial, property investment, tech, or finance, we deliver it in a flash straight to your inbox.
We don't spam, promised. Only two emails every month, you can
opt out anytime with just one click.