Khome's innovative co-investment model aims to help buyers access real estate

15/01/2025News

Khome, a subsidiary of the Crédit Agricole Group, is introducing a novel solution aimed at tackling financial barriers for individuals seeking to purchase property. The initiative, called Apport+, offers a co-investment model designed to help those who might otherwise struggle to cover the entire cost of a property.

A new way to finance real estate purchases

The Apport+ model allows property buyers to secure a home without having to pay the full purchase price upfront. Through this program, Crédit Agricole’s regional Caisses partner with a real estate investment company to acquire a portion of the property directly from the notary. The buyer then benefits from full use of the property, while only paying 90% of the value. Khome’s founder, Benjamin Vergnhes, explains, "This innovative financial approach eliminates the need for financial flows for up to ten years. The real estate company takes 15% of the property upon sale or the buyer can choose to repurchase the share."

Targeting affluent clients and investors

Launched in 2023, Apport+ was initially tested with the Alpes Provence regional Caisses, with results showing promise. The service primarily targets affluent clients and investors, helping them access financing without the risk of over-indebtedness. "Our goal is to address the specific financial needs of clients, regardless of the property value," says Vergnhes. "This is especially beneficial for high-net-worth individuals or investors looking for flexible financing options."

Several regional Caisses across France have since adopted Apport+, customizing the model to suit the needs of their local markets.

Beyond real estate financing: Khome’s comprehensive risk management tool

In addition to Apport+, Khome has developed its own risk management platform, Khome Insight. This tool combines real estate data with artificial intelligence to assess property risks, including factors like climate change, socio-economic developments, and the physical condition of buildings. By offering this software, Khome aims to assist banks in navigating regulatory requirements and helping clients make informed decisions in their real estate investments.

As Khome continues to refine its offerings, it is positioning itself as a key player in revolutionizing the way the banking industry approaches real estate financing and risk management, with a strong emphasis on sustainability and risk mitigation.

Related news & insights

Digital Reinvention
14/03/2025News

Commonwealth Bank expands AI partnership with Anthropic

This collaboration is set to enhance CBA’s AI capabilities, aiming to improve customer experiences while maintaining a strong focus on...

Digital Reinvention
13/03/2025News

Revolut enhances security features to protect users from fraud and theft

The updates come in response to a rise in phone thefts in major cities and an increase in phishing scams...

12/03/2025Article

Transforming customer engagement in banking: Trends for 2025 and beyond

To remain relevant in 2025 and beyond, banks must focus on nuanced customer segments, tap new engagement channels, and build...

ESG
12/03/2025News

CaixaBank expands sign language video interpretation service nationwide

This initiative aims to improve accessibility for individuals with hearing impairments, allowing them to receive financial information through a real-time...

Digital Reinvention
11/03/2025Article

Qorus and Infosys Finacle launch the 2025 edition of the banking innovation awards

Infosys Finacle, part of EdgeVerve Systems, a wholly-owned subsidiary of Infosys, and Qorus, a global association of banks and insurance...

Digital Reinvention
11/03/2025News

Lloyds Banking Group secures patent for cybersecurity innovation

Lloyds Banking Group has received its first-ever patent for a cybersecurity innovation designed to enhance threat detection and reduce false...

10/03/2025News

HolaBank expands in northern Spain amid growing international demand

HolaBank, CaixaBank's specialized program for international clients, has expanded its presence in northern Spain with ten new branches.

Digital Reinvention
07/03/2025Video

Lending innovation: Key trends for 2025 & beyond

Ram Devanarayanan, Associate Vice President - Europe at Infosys Finacle, explores the latest trends in lending innovation.