Family loans
Lend and borrow with a clear record.
Money between family and flatmates gets awkward when nobody remembers the details. HomiLedger keeps one agreed record that both sides confirm at every step.
Five steps, two signatures.
1. Proposed
One member records a loan and names the other person.
2. Accepted
The other member accepts, or rejects it. Nothing is active until they do.
3. Repayment logged
The borrower logs a repayment and how it was paid.
4. Confirmed
The lender confirms they received it. Until then it stays pending.
5. Settled
When the balance reaches zero, the loan is settled for both.
However you pay it back.
Note how each repayment was made. HomiLedger records it; the payment itself happens outside the app.
- Cash
- Bank transfer
- Zelle
- Venmo
- PayPal
- Other
A record, not a lender. HomiLedger does not lend, hold or move money, and it is not a party to any loan.
Common questions
Does HomiLedger move the money?
No. Loans are records of an agreement between two household members. HomiLedger does not lend, hold, move or guarantee money, and it is not a party to the loan.
Who has to agree?
Both people. The other member must accept a loan, and the lender must confirm each repayment.
Can I see my loans in one place?
Yes. A loans dashboard separates what you have borrowed from what you have lent, with the full history of each.
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