High-yield Impact Investment Opportunity

Build wealth while
‍making impact

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Highlights of HIIO

Homebase’s High-yield Impact Investment Opportunity (HIIO) offers accredited investors* the opportunity to make a positive impact on the homeownership landscape by being one of our capital partners.

For more detailed information, download our brochure.

High return

8-16%

p.a

Short tenure

6-18

months

Low risk

Real estate secured**

Real estate properties as collateral, shielding your investment from possible losses while maximizing capital recovery and gains even on rainy days.

Corporate guarantees

Apply to all investments into HIIO:
Our parent company will take over our obligations and return you the investment on our behalf should payments be 90 days overdue.

Cross-default convenant

You will be enjoying the same level of security as the leading institutional investors who have done meticulous due diligence on us.

(*) Exclusively for accredited investors
(**) Real estate security is only applicable for investment amount greater than 10B VND / $500K USD / $500K SGD

Flexibility of investment currencies

Vietnam Dong

Foreign Currencies

Guaranteed Return (gross* p.a.)

16% (12 - 18 months)

13% (6 - <12 months)

11% (12 months)

8% (6 - <12 months)

Currency

Vietnam Dong (VND)

US Dollar (USD)

Singapore Dollar (SGD)

Min. Investment Amount

200,000,000 VND

$20,000 USD
$20,000 SGD

Tenure

6 - 18 months

6 - 12 months

Property Collateral

Amount greater than 10B VND

Amount greater than $500K USD/ $500K SGD

(*) Gross return means that the amount is before all the applicable taxes.

In the case of Vietnamese tax residents, we are required to withhold 5% on the amount you would receive for your Personal Income Tax (PIT). For example, if your gross return is 10M VND, you would receive 9.5M VND instead.

For non-Vietnamese tax residents, the amount would vary depending on your own tax jurisdiction.

How it works

1 Apply & Get Consultation

Complete this form here, then our Capital Markets team will reach out to you for a non-obligatory and free consultation.

2 Sign & Transfer Investment

Sign the Investment Agreement and transfer the investment amount.

3 Receive Returns

We will pay you the return periodically depending on your preferred payment frequency.

4 Return of Original Investment

At the end of the term, we will send you back the original investment amount.

1

Apply & Get Consultation

Complete this form here, then our Capital Markets team will reach out to you for a non-obligatory and free consultation.

2

Sign & Transfer Investment

Sign the Investment Agreement and transfer the investment amount.

3

Receive Returns

We will pay you the return periodically depending on your preferred payment frequency.

4

Return of Original Investment

At the end of the term, we will send you back the original investment amount.

Apply Now Get Brochure

Trusted by institutional capital providers

From our clients

Jeff Fang

Ex-Chief Corporate Officer, Capbridge

“The Homebase team really understands what investors look out for. They are professional, helpful, and diligent in arranging investment opportunities. I have recommended other investors to work with them as well.”

Evan Zhao

Co-founder & CEO, Revela
PhD, Princeton

“I highly recommend working with the Homebase team to put stationary assets to work! They made the entire process extremely easy and were polite and professional the whole time.”

Dang Van Tran

Head, R&D Center, Grab

“I had an amazing experience working with the Homebase team. They were extremely helpful and professional. They know their customers really well and always strive to go above and beyond the expectations.”

Our clients

Jeff Fang

Ex-Chief Corporate Officer, Capbridge

Evan Zhao

Co-founder & CEO, Revela
PhD, Princeton

“I highly recommend working with the Homebase team to put stationary assets to work! They made the entire process extremely easy and were polite and professional the whole time.”

Dang Van Tran

Head, R&D Center, Grab

Key achievements

Y Combinator

KPMG & HSBC (2022)

Plug and Play (2020)

Wealth & Finance
International (2022)

Frequently Asked Questions

We recommend that investors should carefully read all the information regarding terms, conditions and requirements in the investment contract provided by Homebase before making any investment decision. The investor acknowledges that he/she is making all decisions with full knowledge with regards to joining this "High-yield Impact Investment Opportunity".

This presentation provides general background information about the Company’s activities as of the date of this presentation, December 7, 2022. The information in this presentation is provided in summary form only and does not contain all the information that is or may be material to investors or potential investors. It should not be considered as providing advice or recommendation to investors or potential investors in respect of the lending or investing, and does not take into account any investor’s particular objectives, financial situation or needs. The contents of this presentation should not be considered to be legal, tax, investment or other advice, and any investor or prospective investor considering the transaction with the Company should consult with its own counsel and advisers as to all legal, tax, regulatory, financial and related matters.

This presentation and its contents are confidential and proprietary to the Company, and no part of it or its subject matter may be reproduced, redistributed, passed on, or the contents otherwise divulged, directly or indirectly, to any other person (excluding the relevant person’s professional advisers) or published in whole or in part for any purpose without the prior written consent of the Company.

In addition, a viewer confirms that he/she (or the entity for which he/she is acting as agent) meets the definition of a “Professional Investor”, being as follows:

a) Commercial banks, foreign branch banks (FBB), finance companies, insurers, securities companies, fund management companies, securities investment funds, international financial institutions, off-budget financial funds, state-owned financial institutions permitted to buy securities as prescribed by relevant laws;

b) Any company whose contributed charter capital exceeds 100 billion VND; every listed or registered organization;

c) Holders of securities professional certifications;

d) Any individual holding a quantity of listed or registered securities that is worth at least 2 billion VND as confirmed by the securities company; OR

e) Any individual whose taxable income in the latest year is at least 1 billion according to his/her submitted tax return or tax deduction documents of his/her income payment. In addition, the viewer acknowledges that he/she is aware of the risks involved in investing in the “High-yield Impact Investing Opportunity”, as well as the potential to lose up to all sums invested.

What is meant by gross return?

Gross return means that the amount is before all the applicable taxes.

In the case of Vietnamese tax residents, we are required to withhold 5% on the amount you would receive for your Personal Income Tax (PIT). For example, if your gross return is 10M VND, you would receive 9.5M VND instead.

For non-Vietnamese tax residents, the amount would vary depending on your own tax jurisdiction.

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.

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Frequently Asked Questions

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Check out Help Center or Contact Us.

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Invest with impact today!

Homeownership is one of life’s most significant milestones. Homes are where families are raised, and wealth accumulated. Yet, with sky-rocketing home prices and limited financing options, this epochal milestone is fast becoming unattainable and one of the greatest socio-economic crisis of our generation.

At Homebase, we provide home-financing solutions that are faster and more flexible so as to make homeownership accessible to everyone.