Home Loans, The Next Real Estate Platform

HOME LOANS will be an easily accessible financial platform through which people from all over the world can convert their savings into HLCoin currency supported by a real estate for a potential yield from real estate lending, property purchase and protection their income from inflation.

Each HLCoin represents a part of reliable investments in unallocated loans secured by real estate, which allows people from all over the world to convert their country's currency into a cryptocurrency that is resistant to inflation. Users can immediately convert their currency to HLCoin and back, and make any purchases regardless of cost.

Due to an opportunity for smart contracts and innovative financing platforms for real estate loans, HLCoin will reduce costs and improve the speed of traditional business in lending on the security of real estate and eliminate the need for third parties participation.

In the long-term perspective, we will be able to help all 1.6 billion people who do not have their own housing and help all those people who are denied by banks for one reason or another by including them in a new global decentralized cryptosystem.

At the same time, large amounts of data will be aggregated and reflect the needs of customers and their behavior on the network. Collective use and exchange of these data will allow private investors around the world to effectively invest their funds; insurance companies will be able to attract new customers, and borrowers will be able to buy real estate on favorable terms and to pay out loans without using the traditional money.

BENEFITS

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.

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.

What HOME LOANS will provide for franchisees :

● A reward for each new customer;
● A reward for each new counterparty;
● Deep research of the legal system and market in a particular country;
● A proven business model, financial projections, and cost estimates;
● Expertise and scenarios for customer service and debt collection;
● Various consulting services during business development.

COMPOSITION OF PRIMARY TOKENS OFFER

The first stage of the project is the Pre-ICO HLCoin Token which will start 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%

Roadmap