For banks
Human-first, conflict-free debt resolution.
A documented recovery pathway for eligible property-backed distressed accounts, with consent and due process kept at the centre.
See the bank advantage01
BanksStructured resolution pathways
InvestorsImpact-driven real-asset access
HomeownersStay rooted while moving forward
A new way forward for home equity
From distress
to de-stress.
Consent-led. Property-focused. Built for clarity.
The HQEX proposition
A home is more than an asset.
It is where life happens.
We are shaping a platform where a difficult financial moment can become a structured, dignified opportunity — for homeowners, investors and the wider property ecosystem.
Three perspectives. One considered model.
Designed around
real outcomes.
For investors
Secure investments that impact society positively.
Invest from a range of carefully curated and bank-approved distressed asset opportunities.
Register investor interest02
For homeowners
Rebuilding credit-worth with dignity.
When property debt becomes overwhelming, the Re-own model is designed to create breathing room — with a clear path to remain in your home under a structured lease.
Discuss your situation03
For banks
Resolution with
more clarity.
HQEX is designed to support banks with a consistent, documented pathway for eligible property-backed accounts — while keeping borrower consent and due process at the centre.
01
Focused account engagement
A dedicated point of engagement can help bring structure to borrower conversations when an account needs a considered resolution pathway.
02
Informed settlement dialogue
Property, title and payment information are reviewed before a proposed one-time settlement is discussed with the bank and borrower.
03
Documented closure process
The proposed workflow brings consent, settlement, no-dues documentation and registered instruments into a clear sequence.
The Re-own workflow
Clarity at every
step.
A consent-led journey that brings the right people, information and decisions together in the right order.
01
Resolution mandate
HQEX Holdings engages as a Resolution Agent / Debt Recovery Agent with the bank and signs a master agreement.
02
Demand notice
When a borrower account turns NPA, the bank issues a demand notice under Section 13(2) of SARFAESI, giving 60 days to repay.
03
A human conversation
HQEX reaches out to the borrower to understand the state of delinquency and the best route forward.
04
Due diligence
If funds cannot be arranged, HQEX proceeds with borrower consent and reviews payment history, property value, LTV and title status.
05
A negotiated outcome
HQEX negotiates a one-time settlement with the bank, always with the borrower’s consent.
06
Expression of interest
The property is listed on the platform and investors are invited to express interest against underwriting criteria.
07
Scheme closes
A selected investor group forms an LLP and contributes capital to participate in the transaction.
08
Tripartite consent
A tripartite consent form is signed. The settlement amount is transferred to the bank; no dues certificate is obtained.
09
Registered ownership
The sale deed is registered in favour of the LLP, together with a registered lease deed for the borrower.
10
The re-own journey
The borrower begins their Re-own journey and starts paying rent under the agreed arrangement.
11
Title vests
Property tax records are updated in favour of the LLP. Title vests with the LLP.
12
Homeowner re-owns
The homeowner Re-owns the property from the LLP at pre-defined prices, subject to the agreed terms and documentation.
Better outcomes, considered
About HQEX
Making room for a more equitable property future.
HQEX exists to rethink what happens when property debt and home ownership collide. Our purpose is to build a transparent, responsible exchange that respects homeowners and gives investors a clear process to consider.
We are developing the foundations for a platform where careful due diligence, consent and long-term thinking come first.
01Human at the centre
02Clarity over complexity
03Built for the long view
Questions, answered
Start with
what matters.
We believe better decisions begin with better information. Here are some of the questions we hear most.
Ask us directlyHQEX (Home Equity Exchange) is a proposed platform designed to bring homeowners, banks and investors into a structured property-equity exchange process.
Start a conversation
There is a better
way forward.
We would love to hear from you. Write to us at hello@hqex.in
HQEX Assistant Online
Hi, I'm the HQEX assistant. Ask me about the Re-own model, how it works for homeowners, banks or investors, or anything else about the platform.