01
The EMI Burden
₹1,13,803/month for 12 years
A standard ₹1 crore loan at 9% locks the household into a payment that defines their lifestyle, savings flexibility, and risk appetite for over a decade.
A new structure for residential home financing — one that uses bulk-purchase arbitrage and disciplined market yields to refund up to 52% of your EMI by year 12. No subsidy. No gimmick. Just better-engineered capital.
On a ₹1 crore home, an Indian buyer pays roughly ₹1,63,88,000 over 12 years — for an asset that appreciates at half the rate of a basic index fund. The math isn't unfortunate. It's the design.
₹1,13,803/month for 12 years
A standard ₹1 crore loan at 9% locks the household into a payment that defines their lifestyle, savings flexibility, and risk appetite for over a decade.
₹63.88Lpaid in interest alone
Loans are front-loaded with interest. You don't pay for the house — you pay for the privilege of borrowing money to buy it. Twice.
3.5%vs. 10–12% market returns
Capital trapped in home equity earns half the yield of a diversified portfolio. Every rupee in your wall is a rupee not compounding.
— The foundational principle of BrickReturn™
BrickReturn™ aggregates capital, buys homes wholesale, and redirects the arbitrage — plus market yield on a recycling corpus — back to the homebuyer as a monthly rebate.
Investors fund the corpus, which is sized at a 20–40% markup over the property's price (adjustable). For a ₹1 crore home at the default 40%, that means investors commit ₹1.2 crore, earning a contractual 8.5% p.a. (CAGR) paid as a lump sum at maturity. BrickReturn™ manages the corpus.
We buy residential units from developers at ~20% below retail. A ₹1 crore unit is acquired for ₹80 lakh — the discount developers already give to anyone with scale.
Units are sold to individual homebuyers at market price (₹1 crore) through standard bank financing — creating ₹20 lakh of Day-1 arbitrage per unit.
The investable corpus is set 20–40% above the property's price. For a ₹1 cr unit at 40%, that's a ₹1.40 crore corpus = ₹1.20 cr investor capital + ₹20 L BrickReturn™ Day-1 arbitrage. The system compounds with every unit sold.
The corpus is deployed across a disciplined allocation targeting a blended 10–11% annual return:
Approximately 25% of the buyer's annual yield is paid monthly to the homebuyer as a rebate. Investor coupons and company margin are funded from the surplus — never from buyer shortfalls.
Same ₹1 crore property. Same 9% loan. The difference: a growing monthly rebate that lightens your real outflow every year.
| Year | Bank EMI | Monthly Rebate | Net Payment | Relief |
|---|---|---|---|---|
| 1 | ₹1,13,803 | −₹20,833 | ₹92,970 | 18% |
| 5 | ₹1,13,803 | −₹30,502 | ₹83,301 | 27% |
| 8 | ₹1,13,803 | −₹40,598 | ₹73,205 | 36% |
| 10 | ₹1,13,803 | −₹49,124 | ₹64,679 | 43% |
| 12 | ₹1,13,803 | −₹59,440 | ₹54,363 | 52% |
A curated catalog of live and completed residential projects across India's six largest markets. Click any property to see what you'd pay today vs. what you'd pay with BrickReturn™ — using that property's actual price.
Catalog assembled from public developer disclosures and RERA project listings. RERA IDs are illustrative samples — verify the live ID on the respective state RERA portal before any transaction. BrickReturn™ figures are illustrative projections of the model, not commitments.
Most financial innovations transfer value from one party to another. BrickReturn™ unlocks value that was sitting unclaimed in the gap between bulk and retail pricing.
The monthly rebate is paid from actual realised yield — not from reserves, not from new investor money. If markets underperform in a year, the rebate is proportionally lower. Structural honesty is the design.
Each unit is fully funded by retail bank financing and standalone corpus capital. The model doesn't depend on a growing pool of new buyers to service old ones.
Investor capital is secured against physical inventory and a diversified yield portfolio — not against speculative future cash flows.
Buyers and investors receive monthly performance statements: portfolio NAV, yield earned, rebate disbursed. The math is auditable, not opaque.
No. There is no government grant, no charitable layer, no loss-leader. Every rupee returned to the buyer is generated by the model itself — bulk arbitrage on Day 1, and disciplined market yield on the recycling corpus thereafter.
Rebates are explicitly performance-linked. In a down year, the rebate is proportionally smaller. The company never borrows from reserves to maintain a payout. This is the single most important design choice in the model.
Developers already routinely offer 15–25% discounts on bulk purchases of 20+ units — it eliminates marketing cost, accelerates inventory clearance, and de-risks cash flow. Individual buyers can't access this; an aggregator can.
No. The buyer takes a standard home loan from a standard bank at the standard rate. The EMI to the bank is exactly what it would be without BrickReturn™. The rebate is a separate monthly credit, paid from corpus yield.
The model is currently in ideation and academic review. Legal viability under RERA and SEBI frameworks has not been formally assessed. This is a conceptual proposal — built to invite scrutiny, not bypass it.
Today: policymakers, academic reviewers, real-estate-finance researchers, and impact-investment groups interested in structural reform of residential financing in India. Tomorrow: the urban middle-class homebuyer.
BrickReturn™ is an open proposal in an active review stage. If you're a researcher, regulator, developer, investor, or homebuyer with a sharp question — we want to hear it.