Owners who want to remain in their home
For people who want to utilize part of the value of their property while retaining the residence or the agreed right of use.
Who it is for
Who Eldero is for
For people who want to seriously and safely explore the utilization of their real estate assets.
Eldero is for owners who want to understand if bare ownership could be a suitable solution for their needs. Each case is unique and is examined with discretion, without pressure and with no initial commitment.
Main use cases
Cases where Eldero can be useful
The utilization of bare ownership does not apply to everyone in the same way. For some owners, it can be a way to gain financial flexibility, support their family, or better plan their estate, without immediately changing their daily life.
Owners without direct heirs
For people who want to plan the management of their estate in a way that provides them with greater financial flexibility today.
Owners who want to support their family
For owners who want to support their children or relatives while they are alive, utilizing their estate in an organized and transparent way.
Bare ownership holders
For people who already hold bare ownership in a property and want to see if this right can be sold or transferred.
Why you should get informed
An option worth considering with proper guidance
Bare ownership can, under certain conditions, give a property owner the opportunity to financially utilize part of the value of their property without immediately relinquishing its use or residence.
The process is not the same for every property. It depends on the ownership status, the existence of usufruct or right of use, the condition of the property, the titles and the persons involved.
For this reason, Eldero's first objective is not to pressure you into making a decision, but to help you understand whether your case can be examined.
No immediate commitment
The initial assessment is informative and does not obligate you to proceed.
With discretion
Each case is examined with respect for the personal and family situation of the owner.
With a clear process
The options, terms, and next steps are explained in a simple and understandable way.
Practical examples
How a case might look like
The following examples are indicative and do not constitute a promise of results. Each case is examined separately, based on the property, the ownership status, and the rights that are maintained.
Mrs. Maria, 78 years old
"Mrs. Maria wants to live with dignity without leaving her home."
She lives alone in an apartment in Pagrati. She retired years ago and her savings have begun to run out. She has no children or close relatives. Her home is her life; she built it with her husband and does not want to part with it.
When she learns about Eldero Capital, she feels she has found a solution that suits her. She sells the bare ownership of her home while retaining the usufruct. She receives a significant amount that allows her to cover medical expenses, make small improvements to the home and live more comfortably.
Mrs. Maria continues living in her home as always, calm in the knowledge that she has secured her future in the simplest and safest way.
Mr. Andreas and Mrs. Lina
"Mr. Andreas and Mrs. Lina want to support their children without taking out loans."
Mr. Andreas and Mrs. Lina live in an apartment in Thessaloniki in which they have invested a lifetime. Their two children are now taking their first steps: studies, work and the search for a first home, and the couple wants to help them financially.
Without wanting to sell their home or move, they discover that they can use the value of the property by transferring only the bare ownership and retaining the usufruct. In this way they remain in their home as normal, with no change to their everyday life.
The amount they receive allows them to support both children in their first steps, without loans, without burdens and with full legal transparency.
Eleni, 38 years old
"Eleni wants to use something that until now was frozen: the bare ownership her mother transferred to her."
The property exists on paper, but she cannot use it or rent it out because the right of possession remains with her mother. Although it is a significant asset, in practice she feels it is something she cannot touch.
After learning about Eldero Capital, she is informed that she can sell only the bare ownership and receive immediate capital, with no change at all for her mother, who continues living normally in the apartment.
With the amount she receives, Eleni repays her mortgage and gains the financial peace of mind she had been missing for years. Her mother continues living in the home without any change, and Eleni feels she has turned an inactive right into real security and freedom.
Not sure if your case can be considered?
Fill in a few basic details about the property and the Eldero team will inform you if an initial assessment can be made. The process is without obligation.