What is meant by gross return?

The buyback price is based on a fixed YoY appreciation percentage over initial price - approximately 6%/year assuming an initial 50% deposit. Calculate your exact price here.

Can I choose to exit my investment before the end of the term?

Unfortunately, we currently do not allow for early exit. You may, however, choose a shorter tenure for your investment (e.g. 6 months).

How are my returns generated?

We use the funds obtained from HIO to invest in properties across Vietnam via Homebase's flagship "rent-to-own" products: Buy With Installment and Unlock Equity. From these products, our customers pay us monthly returns that are significantly higher than the guaranteed return we're giving you. We simply make a spread between what we charge them, and what you pay us.

How can I be sure that I would be paid duly?

As all of our contracts with institutional lenders have cross-default covenants (i.e. if Homebase defaults on any debt, including this HIO, it automatically triggers defaults for all institutional lenders), it means that the only way you will not be paid is if Homebase defaults on all debt obligations at once. Given that our shareholders (i.e. owners) include the likes of Vinacapital, Y Combinator, Goodwater etc., each of which are billion-dollar funds, you can rest assured that the principals behind Homebase would exercise upmost fiduciary responsibility.