01 — How it works

The ‘tenant to owner’ journey in 5 steps

A clear path, not a shortcut: every stage is digitally documented through the Kemedar platform, from the AI application to transferring ownership into your name — with a transparent separation between rent and the ownership share in every instalment.

Discover and calculateBrowse available properties and use the smart calculator to determine a suitable monthly payment and how it fits your income — every listing shows the monthly payment, ownership portion and locked purchase price.

Apply and receive an AI assessmentSubmit income details and the ThinkDar™ AI engine analyses your financial profile and determines risk level and repayment capacity in seconds — even for people with informal income.

Fix terms and contractDigitally agree the final price, ownership allocation and timeline through the secure Kemedar Escrow™ system — the purchase price is locked from today and protects you from market inflation.

Build ownership monthlyEvery instalment you pay is automatically divided between housing cost (rent) and the ownership premium that increases your share in the property day after day, with dynamic real-time tracking.

Complete the purchase and full ownershipAt the end of the term — or by exercising the early purchase option — your ‘accumulated share’ is used as a down payment to transfer ownership into your name at the locked price.

Monthly payment anatomy

Illustrative example for a property with a market value of EGP 2,000,000 and a locked purchase price of EGP 2,100,000 over 5 years:

Illustrative example

EGP 12,000

Total monthly payment

8,000 occupancy

4,000 ownership

Seller return (60%)Market-rate rent — guaranteed recurring income

Tenant wealth (40%)Accumulates as a down payment against a locked price

Total ownership accumulated after 5 years: EGP 240,000 accumulated ownership

🔒 Price lock (Price-Lock)

The final purchase price is agreed and fixed when the contract is signed through Kemedar Escrow™, protecting you from continuing property price increases and market inflation.

📉 Ownership tracking loop

Each month your ownership percentage increases and the remaining price falls: in month 36, for example, your ownership is EGP 144,000 and the remainder is EGP 1,956,000 — all visible in your dashboard.

Flexible exit strategy

You are not locked into the contract — if you decide to exit, your accumulated share is returned to you through the escrow account:

Tenant requests exit ← checking the minimum commitment (example: 12 months)

⚠ Before the minimum: An exit fee applies (example: 2% of the purchase price) and is deducted from accumulated ownership.

✓ After the minimum: No exit fee — there is no penalty.

Kemedar Escrow™ recalculates: Total ownership minus processing fees = final refund, and the property returns to the seller within 30 days.

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