HOME LOANS: The Peer to Peer Blockchain Based Real estate Lending Ecosystem
HOME LOANS is a platform for investment in loans secured by real estate around the world, built on the basis of the Ethereum platform. Token HlCoin platforms will be provided with the real estate objects and will be traded at crypto exchanges.
HOME LOANS platform uses complex algorithms to predict creditworthiness of all customers and in just 20 minutes a borrower can get their very first the first loan to purchase real estate in his her life just from their smartphone. All customers have an ability to pay less interest and have a higher credit rating, if they use our platform more often.
In its development throughout the United States or even in the world calculated in large numbers, many markets are declining because they have no different ideas and creativity. But HOME LOANSonce again coming up with unique ideas and creativity as a fundraiser for the blockchain platform with real estate trading themes. The problems in the real estate industry globally include:
Access to decent housing is the universal right of everyone. Meanwhile, seize 1.6 billion people in the world.
- Failed to meet minimum requirements.
- A negative credit history or no credit history.
- High credit load.
- Low income level. Fraud.
- Debts for administrative or criminal liability.
Banks are reluctant to communicate with foreign customers, citing the high level of risk. One of the main reasons for giving you a mortgage, is a secret letter from the largest Bank in the world, which you must position as a paying customer.
The solution provided by the HOME LOANS platform :
as a platform for investment in real estate secured loans worldwide, is built on the basis of the Ethereal platform. The HLCoin Token platform will be equipped with real estate objects and will be traded on crypto exchanges. HOME LOANS platforms use complex algorithms to predict the credit worthiness of all customers and within just 20 minutes borrowers can get their first loan to buy real estate in their life only from their smartphone.
All customers have the ability to pay less interest and have a higher credit rating, if they use our platform more often. All Large Data and Aggregate Credits are stored in Blockchain. Thousands of investors have access to the millions of new customers we bring into the world economy and millions of people will have the opportunity to purchase property anywhere in the world.
HOME LOANS for the crypto community:
>> Creation of a crypto-ecosystem.
Our goal is to help private investors and business working on the basis of blockchain technology to significantly expand its client base by accessing our real estate lending platform and mobile marketing for business. According to our long-term strategy, HOME LOANS should become part of the cryptosystem.
. In the future, we are considering integration with the following hightech products:
Everex
Cross-border payment system. Supply of crypto funds for borrowers.
Civic
Improvement of the procedure for identification and verification of borrowers.
COSMОS
The network and infrastructure for interaction between the blockers.
HOME LOANS for business:
attracting new and returning old customers.
The business model is extremely simple. Service (mobile application HOME LOANS) leads the client to the partner (counterparty).
If the client makes a purchase or uses the service then the seller returns a part of the amount in HLCoin (provided free of charge to the platform) to the customer (borrower) as Cashback, and in traditional money to the account of HOME LOANS.
This motivates borrowers to come to our partners and make purchases — mobile lid generator. Now business does not need to spend huge money on advertising to attract customers — they will come themselves.
*HOME LOANS for people*
It gives people the opportunity to buy property without resorting to traditional methods like banks. The platform has its own scoring system which analyzes borrower’s credit history and analyzes HLCoin production in the mobile application HOME LOANS. It gives better chances for the borrower whose credit history was damaged due to circumstances beyond his control.
HOME LOANS for local partners:
global business scaling.
We developed business development algorithms in new countries which are based on our work experience and extensive studies of markets and legal segments. We are going to launch an international franchise after launching the platform. We will share with our franchisees all necessary market research, knowledge of risk management, know-how in the field of loan assessment.
The minimum amount of a mortgage loan in Foggy Albion is £100,000, British banks do not prefer to consider applications for less than £ 1 million. Such loans to financial institutions are simply unprofitable. As for the borrower, this situation is not good because the chances of obtaining a mortgage for an economy-class apartment are much lower than if the funds were required to finance an elite facility. Officially, Russians can get a mortgage at an annual rate of 2 to 4.5% and the loan agreement is for five years with the possibility of further extension on revised terms.
COUNTRIES WHERE IT IS IMPOSSIBLE TO OBTAIN A MORTGAGE
Thailand
Very often Asian countries including Thailand (which is popular among investors and Downshifters) give loans only to local residents. This means that in order to obtain a mortgage, a borrower must acquire a residence permit or even a citizenship of the country in advance.
Netherlands
One of the requirements for the approval of a loan in the Netherlands is the need to generate income in the EU countries. If the applicant has this privilege then he has chances, otherwise he should rely solely on his own resources.
Norway
Norway is definitely not the most popular country for foreigners to get a mortgage but if such a desire is still appeared the borrower must prove the income is earned in the territory of the EU.
Italy
The situation with mortgages is even more complicated in Italy. It is required not only to open an account with a local bank in advance and actively use it but also to have real estate on the Apennine peninsula or in the Eurozone. Some Italian banks give loans only to citizens with a valid residence permit.
Japan
There are few banks specializing in issuing loans to foreigners in Japan and in most cases in order to get a mortgage, it is required to have a permanent residence or even citizenship of the country.
Our Solution
A. Creation of an international loan platform by using open-source resources on the basis of block chain technology.
B. Providing private investors with access to large amounts of data.
C. Minimum of 500 000 and maximum of 50 million US dollars.
Original price: the price of the token is fixed at the level of
1 US dollar — 1 HLC token.
SOLUTION OFFERED
HOME LOANS is creating a financial platform of peer to peer lending on the ethereum Blockchain, where people can buy real estate or lend money to buyers. The HLCoins are the central piece of the platform by which payment and transaction take place on the HOMELOANS Platform.Anyone can participate on the platform, either as an investor or as a buyer who wishes to take loans.
The credit score and verification tools identify the creditworthiness of people applying for loans. Loyalty points systems exist for users of the platform while cashback schemes in the form of HL cryptocurrency. HOME LOANS has identified the future roadmap for the platform. It will utilise the data collected on its platform to provide better facilities to its customers.
ICO Information & Team
To allow people to make a contribution to the development of the platform they are issuing HL tokens to the public. A total of 150,000,000 HL tokens are available for public sale. 85% of tokens will be distributed to the investors. One HLC token is equal to one dollar. Bonus exists for early investors.
The funds collected will be utilised for the development and promotions of the platform. Their main objective is to have more people participating in the process. The team consists of experts from the real estate and technology. They are determined to create a sustainable solution to the problem.
Conclusion
The primary objective of the platform is to provide secure and transparent service, where anyone from any part of the world has an equal opportunity of getting a home loan. The international real estate community can find itself in a stable future of Real estate business once they move to HOMELOANS platform. The entire ecosystem of investors, lenders, insurance companies and buyers will be immensely benefitted from the application of HOMELOANS platform.
Some Resources For Reference:
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