Sabtu, 07 Juli 2018
HOME LOANS is a platform for investing in loans collateralized by real estate around the world, built on the Ethereum platform. The Token HlCoin platform provides real estate objects and is traded on crypto exchanges. The HOME LOANS platform uses complex algorithms to predict the creditworthiness of all customers and borrowers can get the first loan to purchase real estate from their smartphone in only 20 minutes. If we use our platform more frequently, all customers can pay lower interest and can have a higher credit rating. All aggregated big data and credit history are stored in the block chain. Thousands of investors will gain access to millions of new customers to bring to the world economy and millions of people will have the opportunity to purchase property anywhere in the world.



Our goal

To help businesses working based on private investors and block chain technology access the real estate financing platform and mobile marketing for business to greatly expand customer base. 



  1. Create an international platform for peer-to-peer loans on Ethereum Block Chain by utilizing HLCoin's cryptic infringement, create private platforms for peer-to-peer loans on Ethereum Block Chain and make private investors with minimal interest rates Purchase of peer- to- peer P2P (peer- to -peer) transaction purchasing real estate . Everyone who owns HLCoin is an investor. 
  2. Peer-to-peer loans (or human-to-person loans, peer-to-peer investments, social lending, P2P loans) are individual loans to individuals without the involvement of traditional financial players such as banks.
  3. HOME LOANS is an easily accessible financial platform that helps people around the world convert their savings into HLCoin currency and gain real yields from real estate financing, real estate purchase, and inflation revenue to support real estate.
  4. HLCoin reduces the cost of real estate collateral lending, improves the speed of traditional business, and participates in third parties due to the innovative financing platform opportunity for smart contracts and real estate loans It makes unnecessary.




Countries Where It Is Difficult To Obtain Mortgages

Bulgaria 


  •      Fixed interest rate: 11% 
  •      Loan interest rate: up to 70% 
  •      Loan period: up to 25 years. 
 Czech Republic 

  • Fixed interest rate: 5% 
  • Loan interest: up to 60% 
  • Loan period: up to 35 years.
Switzerland 
  • Fixed interest rate: 4.5% 
  • Loan interest: up to 50% 
  • Loan period: up to 10 years. 
 Australia
  • Fixed interest rate: 3.5% 
  • Loan interest: Up to 60% 
  • Loan period: Up to 25 years.
  UK 
  • Fixed interest rate: 2-4.5% 
  • Loan interest rate: up to 70% 
  • Loan period: from 5 years. 


 Our Products. 

The real estate mortgage international financing platform provides the following types of loans: 

    Mortgage under construction. 
    Secondary mortgage
    Commercial real estate loan. 
    Loans for land purchase. 
    Loans for my property.

Proposed Benefit 
Home loan for crypto community : Creation of cryptographic ecosystem. 
Our goal is to help businesses working based on private investors and block chain technologies access the real estate financing platform and mobile marketing for business to significantly expand customer base. According to our long-term strategy, HOME LOANS should be part of the cryptographic system. We are considering integration with the next high-tech product in the future. 

Everex 

cross-border payment system. Supply of cryptographic funds for borrowers. 
Improve procedures for identification and verification of Civic.

Borrowers. 
Network and infrastructure for interaction between cosmos 
blockers. 
Official 


Formula 
For pension According to this formula, the periodic (monthly) payment is A = K × S, 
Where 
A is the monthly pension payment, 
K is the pension coefficient, 
S is the loan amount is. 
The pension coefficient is calculated using the following formula. 
Where 
I am the loan's monthly interest rate (= annual interest rate / 12). 
n is the number of periods the loan is paid. 
If the interest rate is 4% per year, monthly fee: 
i = 4, 2% / 12 months = 0.35%. 
Calculation of pension payment Calculation example of pension payment calculation
Let's say you borrowed $ 30,000 HLCoin at 4.2% for 10 years (at the cost of 1 $ pf 1 HLCoin). 



Solution 
Initial data: 

S = 30 000 HLC oin 
i = 0.35% (4, 2% / 12 months) = 0 00035 
n = 120 (10 years × 12 months) 
These values ​​are officially substituted to determine the pension coefficient I will. 
0,00035 * (1 + 0,00035) ¹20 / (1 + 0,00035) ¹10-1 = 0,008511016 

Monthly Payment : 
A = K × S = 0,008511016 × 30000 = 255,33048HLCoin.



Conclusion: 

counterparty Receives the customer, the customer receives the HLCoin token to repay the loan, receives the traditional amount returned through the loyalty system from the partner, then goes to the HOME LOANS account for purchase of HLCoin, exchange Purchase at HOME 's ecosystem LOANS system. 



Diposting oleh di

Tidak ada komentar:

Posting Komentar

Langganan: Posting Komentar (Atom)