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
Creation of an international platform for Peer-to-peer lending on Ethereum Blockchain, using our own HLCoin's cryptocurrency to lend people to purchase real estate around the world at a minimum interest rate from private investors without resorting to intermediaries in the sale and purchase of peer-to-peer P2P (peer-topeer) transactions. Everyone who owns HLCoin is an investor.
Peer-to-peer lending (or person-to-person lending, peer-to-peer investing, social lending, P2P lending) is the lending to individuals by individuals without the involvement of traditional financial players such as banks.
Such lending will occur via the HOME LOANS online-platform using various credit and financial verification tools, as well as its own scoring system. This platform will not depend on the economic factors of the different states and as the result, it won’t influence the purchase of the housing or the borrower even if the house and
borrower are located in different states.
The world market of p2p-lending which is linked with the revolution in finance is going to triple by 2020 and reach $286 billion.
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.
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 .
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 .
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.
HOW HOME LOANS PROJECT WILL WORK
The international lending platform for real estate HOME LOANS provides for such types of loans as:
- Loans for housing under construction.
- Loans for secondary housing.
- Loans for commercial real estate.
- Loans for land purchase.
- Loans for own property.
SOME BENEFITS OF HOME LOANS FOR CRYPTOCURRENCY
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: The business model is extremely simple. HOME LOANS mobile application Services will leads the client to the partner. 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 partners and make purchases - mobile lid generator. The whitepaper explained it to the core http://home-loans.io/White_Paper_ENG.pdf
HOME LOANS TOKENS SALES: HLCoin IS LIVE @ http://home-loans.io
- The first stage of the project is the Pre-ICO HLCoin Token which started on November 29 and end on December 29, during this period the price is going to be the following:
1 HLCoin = 0.5 $ +50% bonus
The collected money on the Pre-ICO will go to the ICO advertising campaign and creation of a prototype platform and mobile application HOME LOANS.
- The second stage of the crowdsale project. During crowdsale investors can purchase HLCoin Token at a fixed rate using the US dollar (USD), Bitcoin, Ethereum.
1 HLCoin = 1 $ + bonuses
During crowdsale HLCoin will compile a limited number of 150,000,000 tokens and be sold at a fixed price. The total time interval of crowdsale is 30 days. The primary offer of HOME LOANS tokens and the corresponding process of creating tokens will be based on the use of "smart contracts" launched on the basis of Ethereum.
Name of the tokens: HLC The total volume of issued tokens: 150,000,000 HLC. Total amount during the initial sale: 120,000,000 HLC. Guarantee fund: 30 000 000 HLC Tokens that will be not sold during the initial offer will be destroyed.
Objectives: 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.
Token distribution :
Founders - 8% Advisers - 4%
Bounty - 3% Investors - 85%
ROAD MAP
Official Website: http://home-loans.io
Whitepaper: http://home-loans.io/White_Paper_ENG.pdf
Bitcointalk ANN Thread: https://bitcointalk.org/index.php?topic=2479111.0
Official Facebook Page: https://www.facebook.com/HomeLoans-1718926604819378/
Official Twitter Page: https://twitter.com/HomeLoansCoin/
Official Telegram Channel: https://t.me/HomeLoansENG
Bitcointalk (Giebaymax): https://bitcointalk.org/index.php?action=profile;u=782329
ETH : 0x51789F81CE815119e41aBB66704766A4Fa08289A