The problem with the acquisition of housing is quite acute in the modern world. To accumulate the necessary amount for the purchase takes quite a long time. And in this case, the accumulation is subject to the influence of a possible denomination. Many people do not want to wait and risk, and also pay for renting a house, and take a mortgage, which is currently the most expensive loan. After all, even despite the low rate, the term mortgage loan payment is impressive and the overpayment in the form of interest is often equal to the amount of the loan itself. For banks, mortgages are the most profitable loan, taking into account the profits received, and taking into account the stable collateral in the form of a loaned real estate. But from the point of view of an individual, these are costly obligations, not for one decade. The Homelend platform allows lenders and borrowers to interact directly.

Homelend is a decentralized platform that allows the next generation of mortgage financing for homebuyers. Homelend creates an interface for direct interaction between borrowers, lenders and other parties involved in the mortgage value chain. By doing so, it allows crowdfunding of mortgages using a peer-to-peer model with the security, transparency, and automation provided by distributed ledger technology (DLT) and smart contracts.

Homelend will use a combination of smart contracts and distributed accounting technology to connect individual lenders and borrowers through an end-to-end platform. This will automate and optimize the process of creating a mortgage for all parties involved.

The Homelend platform is designed with all possible details in mind and provides users with an unlimited number of different user benefits. It has optimized processes using smart contract operations. This will ensure the unlimited processing speed of documents within twenty (20) days. This means that the process of applying for a mortgage is simplified, and it also becomes more reliable and faster.

The process becomes transparent and user-friendly. This becomes possible since the creditor can control the entire crediting process and verify the authenticity of the process and its reality as a whole.

Homelend allows you to significantly simplify the scheme of lending. Using the artificial intelligence project excludes paper red tape and shortens the loan processing time for a maximum of 20 days.

Apply for a mortgage is now easy and convenient - everything happens automatically. Artificial intelligence helps to choose the appropriate option in accordance with the specified parameters. The Homelend filter is quite broad and is aimed at satisfying the most demanding user.

Homelend allows you to track the status of your application online. To communicate with creditors within the platform provided online chat, which allows you to quickly resolve any issues. Also, around-the-clock support service can be connected to the solution of questions.

The work is based on DLT technology, which allows creditors to safely and safely invest their money. Calculations for Homelend are built with the use of smart contracts, which ensures high speed of transfers and reliable safety of money. All documents stored on the platform are protected by a cryptographic cryptograph for protection from theft.

The business model of the project is based on deduction of the commission amount from each transaction, which is withheld from the creditor and the borrower in equal shares.

The main function is to provide access to the Homelend platform. This utility token also plays an important role in providing a fast, smooth and user-friendly workflow that is unified and secure.

• Name of the token: HMD
• Total volume of tokens: 250 million HMD
• Standard: ERC-20
• The price: 1 ETH = 1,600 HMD
• Accepted currencies: BTC, ETH, USD
• Softcap: $ 5,000,000
• Hardcap: $ 30,000,000

Of the total volume of deliveries of tokens, 36% are for public sale, 28% for pre-sale, 20% for reserve fund, 8% for consultants and bounty, and 8% for founders.

Thus, Homelend is developing an innovative solution, which thanks to blockchain technology provides investors with direct financing of mortgage loans. This type of loan is considered a reliable type of investment with high profitability. The buyer, in turn, will be able to save a significant amount on payment of intermediary services of the bank.

In addition, Homelend will generate a database accessible to each participating user, to reduce the processing of documents. Smart contracts will automate several tasks and processes, helping to reduce creation time, which now averages 50 days. The full version of the project will be available in mid-2019. The attracted investments will be mainly directed to the technical development of the project and marketing campaign.