What it sells
Personalized rent-to-own real estate financing using technology in SEA
Business model breakdown
Buyer: who owns the budget?
Home buyers (Vietnamese and foreign) who cannot get a bank mortgage, and credit-worthy investors who co-finance.
Trigger: what makes them buy now?
Cannot meet full down payment or income verification for a bank loan; wants to own a home with only 8% upfront.
Workflow: what inputs become what output?
Buyer picks a property; Homebase matches an investor; investor takes the bank loan and buys in own name; buyer moves in and pays monthly interest, principal and a service fee, building ownership share until buying it back.
Economics: what it saves and how it charges
Fee-based matching/co-financing: investors earn about 5-30 million VND per month passive income without capital; buyer pays service fee. Homebase fee not published.
Distribution: how it reaches customers
Web forms for buyers/investors, agent program, referral program, press coverage; investor/buyer FAQs.
Funding history and coverage
| Round date | Stage | Amount | Investors | Source |
|---|---|---|---|---|
| — | Y Combinator Winter 2021 | — | Y Combinator | ycombinator.com |
Profiles summarize public reporting and company websites. Business-model notes are MaxBC's reading of that material, not confirmed facts; unknowns are left blank rather than guessed. Updated 2026-10-12.