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HI, OWNE-R

Own a home without paying interest

We offer a transparent rent-to-own model where every rupee builds real ownership. Lock your price today and transform rent into ownership, month by month.

Illustration of happy person owning a house

The System Is Broken

Home prices have outpaced incomes by 300% in the last decade. Your parents bought their first home at 30 with five years of savings. Today, you're 35 and that same milestone needs fifteen years of sacrifice. The math that built their dreams simply doesn't work for you anymore.

The System Is Broken

Home prices have outpaced incomes by 300% in the last decade. Your parents bought their first home at 30 with five years of savings. Today, you're 35 and that same milestone needs fifteen years of sacrifice. The math that built their dreams simply doesn't work for you anymore.

The System Is Broken

Home prices have outpaced incomes by 300% in the last decade. Your parents bought their first home at 30 with five years of savings. Today, you're 35 and that same milestone needs fifteen years of sacrifice. The math that built their dreams simply doesn't work for you anymore.

Illustration denotes banks win and buyers wait

Banks Win, You Wait

Traditional home loans are designed backwards. On a Rs 1,00,000 monthly EMI, about Rs 95,000 feeds the bank's interest while only Rs 5,000 actually buys your home. 3 years of payments, 36 months of sacrifice, and you've barely paid what you owe. The system ensures banks get paid first while your ownership comes last - if at all.

Banks Win, You Wait

Traditional home loans are designed backwards. On a Rs 1,00,000 monthly EMI, about Rs 95,000 feeds the bank's interest while only Rs 5,000 actually buys your home. 3 years of payments, 36 months of sacrifice, and you've barely paid what you owe. The system ensures banks get paid first while your ownership comes last - if at all.

Banks Win, You Wait

Traditional home loans are designed backwards. On a Rs 1,00,000 monthly EMI, about Rs 95,000 feeds the bank's interest while only Rs 5,000 actually buys your home. 3 years of payments, 36 months of sacrifice, and you've barely paid what you owe. The system ensures banks get paid first while your ownership comes last - if at all.

Land Eats Everything

We discovered that building "cheaper" homes was never going to solve this. Land prices keep climbing relentlessly. Big developers add 40% brand premiums. Hidden charges multiply at every step. You can't engineer affordability when the ground itself becomes unaffordable. The real problem isn't construction-it's the payment structure.

Land Eats Everything

We discovered that building "cheaper" homes was never going to solve this. Land prices keep climbing relentlessly. Big developers add 40% brand premiums. Hidden charges multiply at every step. You can't engineer affordability when the ground itself becomes unaffordable. The real problem isn't construction-it's the payment structure.

Land Eats Everything

We discovered that building "cheaper" homes was never going to solve this. Land prices keep climbing relentlessly. Big developers add 40% brand premiums. Hidden charges multiply at every step. You can't engineer affordability when the ground itself becomes unaffordable. The real problem isn't construction-it's the payment structure.

Rent Is A …………Dead End

So millions rent instead, hoping for better times that never come. But renting means yearly hikes, sudden evictions, deposits held hostage. No pets. No nails in walls. Kids changing schools. Longer commutes. Every month, you're building your landlord's wealth while your own dreams fade. You're paying someone else's EMI while saving for your own -two tracks, one wallet, zero progress.

Rent Is A …………Dead End

So millions rent instead, hoping for better times that never come. But renting means yearly hikes, sudden evictions, deposits held hostage. No pets. No nails in walls. Kids changing schools. Longer commutes. Every month, you're building your landlord's wealth while your own dreams fade. You're paying someone else's EMI while saving for your own -two tracks, one wallet, zero progress.

Rent Is A …………Dead End

So millions rent instead, hoping for better times that never come. But renting means yearly hikes, sudden evictions, deposits held hostage. No pets. No nails in walls. Kids changing schools. Longer commutes. Every month, you're building your landlord's wealth while your own dreams fade. You're paying someone else's EMI while saving for your own -two tracks, one wallet, zero progress.

Life On Hold

This broken system isn't just about money-it's about the life you're forced to delay. Date nights become EMI calculations. Vacations become staycations. Parents visit less because there's no space. Friends post housewarming photos while you refresh property sites at midnight, running the same math, praying for different results. The stress seeps into everything.

Life On Hold

This broken system isn't just about money-it's about the life you're forced to delay. Date nights become EMI calculations. Vacations become staycations. Parents visit less because there's no space. Friends post housewarming photos while you refresh property sites at midnight, running the same math, praying for different results. The stress seeps into everything.

Life On Hold

This broken system isn't just about money-it's about the life you're forced to delay. Date nights become EMI calculations. Vacations become staycations. Parents visit less because there's no space. Friends post housewarming photos while you refresh property sites at midnight, running the same math, praying for different results. The stress seeps into everything.

Enter Owne

We looked at this mess and asked: what if you could lock your home's price today and pay it down transparently? With Owne, you sign a registered sale agreement that freezes your price forever. Move in immediately. Pay rent plus a fixed principal amount that directly reduces what you owe. No compound interest. No hidden math. Every payment builds real ownership, tracked transparently in escrow.

Illustration denote how buyer is happy with Owne

Ownership, Redefined

This is homeownership that finally makes sense. A clear contract showing exactly what you owe. Monthly payments that actually buy your home. The freedom to live like an owner from day one. At contract end, complete your purchase on your terms. We're not just changing how you pay -we're changing who wins. With Owne, that's finally you.

Ownership, Redefined

This is homeownership that finally makes sense. A clear contract showing exactly what you owe. Monthly payments that actually buy your home. The freedom to live like an owner from day one. At contract end, complete your purchase on your terms. We're not just changing how you pay -we're changing who wins. With Owne, that's finally you.

Ownership, Redefined

This is homeownership that finally makes sense. A clear contract showing exactly what you owe. Monthly payments that actually buy your home. The freedom to live like an owner from day one. At contract end, complete your purchase on your terms. We're not just changing how you pay -we're changing who wins. With Owne, that's finally you.

The Owne Promise

Transparency

One price, locked upfront. Every payment tracked in escrow. No hidden charges, no surprise costs. Just honest math you can verify anytime.

Alignment

When you win, everyone wins. Buyers get affordability. Sellers get certainty. Investors get stable returns. No conflicts, just shared success.

Ownership

Every rupee contributes toward your homeownership. No wasted interest payments. Just real progress toward owning your home.

Freedom

Move in today. Live like an owner. Exit on your terms. No banks controlling your timeline. Your home, your choices.

Meet our incredible team

Paul

Founder & CEO

Affordable Housing Developer | IIM Bangalore

Former affordable-housing developer who saw too many families crushed by the system. Built 500,000+ sq ft of homes, then realized the real problem wasn't supply—it was the payment model. Now obsessed with making ownership accessible through transparent, interest-free paths.

Vidya

Director - Operations

Ex-Godrej Properties | NIT Trichy, IIM Bangalore

Led complex residential projects from blueprint to handover. Brings the rare combination of process rigor and human empathy. Ensures every Owne home is delivered with zero drama and maximum care.

Anand

Director - Finance

CA, CFA, PhD (Finance) | Ex-L&T, Ex-Hinduja Group | IIM Bangalore

Designs financial structures that are both fair and resilient. Makes sure buyer-investor incentives align perfectly. Keeps risk honest and returns predictable for everyone involved.

Sneha

Director - Marketing

Ex- Repose Mattress | MS - Queen's University Belfast

Leading brand strategy, marketing, and PR - owning full-funnel growth across Buyer, Seller, and Investor segments, from campaigns and content to CRM, SEO, and analytics.

T Paul Sugumaran

Advisor

Ex- Prime Urban & Mahindra & Mahindra |

30 Years of Experience in Real Estate Development

Advisor with board-level experience across multiple listed real-estate firms; has overseen 5 million sq ft of residential developments.

Prof. Venkatesh Panchapagesan

Advisor

Professor of Finance, Faculty Head,

Chairman - RERI | IIM Bangalore

Advisor to Owne; Professor of Finance at IIM Bangalore and Head of the Real Estate Research Initiative (RERI), with 20+ years spanning academia and global finance.

By The Numbers…

llustration of successful person backing Owne

100+ Years

Combined team experience across real estate, finance and technology

500,000+ sq ft

Delivered by our founding team before starting Owne

₹17,70,999

Average interest saved per buyer vs traditional home loans

50,000+ Families

Our mission to help people own homes every year, city by city

How It Works?

1. Pick Your Home

Choose from our curated listings - new builds or resale properties ready for immediate move-in.

2. Lock Your Price

Sign a registered deed that freezes your home's price. No more watching prices climb while you save.

3. Move In Today

Start living in your home immediately. Pay rent plus a fixed principal amount that reduces what you owe.

4. Track Your Progress

Watch your ownership grow month by month through our transparent escrow system. Every payment counts.

5. Complete Your Ownership

At contract end, pay the remaining balance to own your home completely. Or refinance, knowing you've already built substantial equity.

Join The Movement

For Buyers

Stop paying rent that builds nothing. Start your ownership journey today with transparent, interest-free payments.

Check Your Eligibility

For Buyers

Stop paying rent that builds nothing. Start your ownership journey today with transparent, interest-free payments.

Check Your Eligibility

For Buyers

Stop paying rent that builds nothing. Start your ownership journey today with transparent, interest-free payments.

Check Your Eligibility

For Sellers

Unlock your property's value faster. Get certainty of sale with committed buyers and transparent transactions.

List Your Property

For Sellers

Unlock your property's value faster. Get certainty of sale with committed buyers and transparent transactions.

List Your Property

For Sellers

Unlock your property's value faster. Get certainty of sale with committed buyers and transparent transactions.

List Your Property

For Investors

Earn stable, predictable returns from real estate without the complexity. Full transparency, aligned incentives.

Partner With Us

For Investors

Earn stable, predictable returns from real estate without the complexity. Full transparency, aligned incentives.

Partner With Us

For Investors

Earn stable, predictable returns from real estate without the complexity. Full transparency, aligned incentives.

Partner With Us

Want to build the future of homeownership with us?

Check out the careers page

Ready to Own?

The future of homeownership is here.

No banks. No interest. Just a clear path from where you are to where you belong.

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