You're entirely at home! Our co-investment doesn't give us any right to live there or even visit. Your home is entirely your home. You'll never have to ask us for permission before changing the paint, renting, or doing any work.

No, if you decide to rent your apartment for a short term (such as through Airbnb), you will receive 100% of the income from your rental. Junia Home will not receive a single euro.

It’s entirely up to you, and we even encourage it so you can feel fully at home! You can use part of your savings at any time to gradually buy back our share.

Yes, and thankfully so. Your occupancy fee drops in proportion to what you buy back. For example, if you repurchase 10% early, your annual fee also decreases by 10%."

For all young professionals who want to buy their main residence.

For anyone who wants to buy their home sooner, with less financial strain, and start building wealth right away. We don’t apply any social criteria based on ethnicity, nationality, or religion. We believe everyone deserves a home, a great place to live.

We are present only in Luxembourg.

No. It’s an equity contribution.

We cover the gap between your savings and the down payment required by the bank.

For example, if the bank asks for €60,000 and you have €40,000, we provide the missing €20,000.

You don’t repay us monthly.

Instead, we’re compensated when you choose to sell or buy back our share, no later than 8 years after purchase.

The terms are set from the start, so there are no surprises. it’s that simple.

You’re at home, truly at home. Junia Home is a silent co-owner: we hold a share of your property and only receive payment when you buy out our share or sell the home.

Buy better, bigger, or up to seven years sooner — save years of rent and enjoy a smooth purchase with dedicated support.

Yes, at any time. The price equals our initial investment, adjusted by the Luxembourg property price index (Statec), plus a compensation proportional to the holding period.

For example, if Junia Home invested 10% of your home’s value and you lived there for 5 years, you would pay the revalued share plus an annual compensation of 1% of the property’s price for each of those 5 years.