A 7% Inflation Adjusted Property Annuity Investment.

Financing Homes without Capital Gains

HOCO are not-for-profit cooperatives that use prepayments of monthly occupation to raise the capital to purchase homes. As HOCO are nonprofit, they do not generate money through profits; instead, they give investor members a guaranteed fixed inflation-adjusted annuity of 7% for 28 years. The annuity comes from buyer members who pay a proportion of their income that need not exceed 30%.


All HOCO member occupiers acquire equity in the dwellings they pay to occupy. Occupiers require no deposit and are only required to pay a maximum of 30% of their income. However, they can have a deposit, and they can pay more or less than 30% of their income. It means anyone who has any income from any source should find a home to purchase.



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