What if you could start owning without a full down payment? pinyya helps you own a share of your home now and grow it over time. A smarter path than waiting for an impossible deposit.
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pinyya reconnects people and property so ownership becomes fair, transparent, and within reach again.
Move into your dream home now by owning a share that fits your budget.
Own sooner and grow your ownership over time. You no longer need to wait until you can afford it all.
Live in your home now, grow your ownership over time, and build equity on your own terms.
The smartest way to own a home isn’t waiting, it’s starting.
Live in your home now, grow your ownership over time, and build equity on your own terms.
The smartest way to own a home isn’t waiting, it’s starting.
Own Sooner
Move into your home with what you can afford today. No need to wait years saving for a full deposit.
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Grow Your Share Over Time
Increase your ownership over time as your income or savings grow.
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Flexible Path to Full Ownership
Life changes. So can your share. You can buy more or sell a portion when you need to.
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Transparent Structure
See exactly how your payments build ownership. No hidden fees or fine print.
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Fair Progress for Everyone
As you grow your share, everyone benefits from the same value. Fairly and openly.
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No Nasty Surprises
Fair and transparent costs with clear terms. Simple ownership without the hidden fees.
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Find out what you can already afford to own
Our Path-to-Ownership Calculator shows how close you really are in under 60 seconds.
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How pinyya works
We’ve reduced homeownership to three simple, transparent steps. Built for clarity, not complexity.
O1
Start with what you can own
Choose a home you love and buy the share that fits your budget. Every payment builds equity, not interest.
O2
Live and grow your share
Move in and start building equity as your finances evolve.
Increase ownership at your pace, securely and transparently.
Increase ownership at your pace, securely and transparently.
O3
Flex or exit anytime
Need flexibility? Sell part or all of your share when you need to. Your home, your equity, your choice.
"We believe owning a home should feel empowering, not overwhelming. That’s why we built a system that fits real lives, not outdated rules"
Thomas Koeck
pinyya CEO & Co-Founder
Built to be fair and safe
The way you buy a home shouldn’t feel like paperwork or pressure.
With pinyya, ownership is flexible and built to protect your progress.
With pinyya, ownership is flexible and built to protect your progress.
Built according to European standards
pinyya operates under EU financial standards, with licensing in progress. Your home and capital are managed under strict legal oversight and transparent contracts.
You own what you pay for
Every payment builds your share of real ownership, not rent or interest. You always know where your money goes.
You stay in control
Life changes. Your ownership can too. Buy more when you can, sell a share when you need to, or move without losing what you’ve built.
Fair, visible costs
No guessing, no jargon. All fees and terms are shown before you commit, so you can plan confidently and grow at your own pace.
FAQs
Everything you need to know about the product and billing. Can’t find the answer you’re looking for? Please chat to our friendly team.
What exactly do I own with pinyya?
You own a legal share of a real home. Not a token, not a loan. Each share represents a direct portion of the property’s equity. You build equity every time you make a payment.
How much do I need to start?
With pinyya, you can buy your share of a home with only about 5% down, instead of the typical 20%.
What if my income or situation changes?
You stay in control. You can pause, sell a portion, or buy more when you’re ready. We understand that life changes. Your ownership can too.
Can I sell my share or exit anytime?
You can sell part of your share through pinyya’s platform or directly to another buyer. Every homeowner keeps a minimum share, ensuring everyone stays invested in the home’s success. Selling your full share requires the property itself to be sold.
Is pinyya secure?
Yes. pinyya follows strict EU financial and legal standards, using verified structures and transparent contracts to protect both homeowners and investors.
How is this different from shared ownership or rent-to-own?
pinyya gives you real ownership and flexibility. No government loans, no restrictive leases, and no hidden buyback terms. You build equity on your terms, not someone else’s.
Still have questions?
Can’t find the answer you’re looking for? Chat to our friendly team today.
