Topic: [ANN]🔥HOME LOANS - P2P🔥Sale🔥 Rent🔥 Mortgage🔥 Loans🔥 - page 19. (Read 8044 times)

I saw that your pre-ICO was ended on 12/29 and you have no intention to ICO? So the next chance to invest in HLC is after launch, correct? I'm asking because seems like the pre-ico link on your website is still active.

Team mortgage loans is likely to choose not to ICO. This is due to the great demand for the use of our platform in January. The release also scheduled for January 2018. In the second half of the month.
Hurry up to buy tokens with bonuses.

look like promsing project, i thing it will be good invest for this project and to be holder in this coin. hope this project will be success.

What's the min/max funds required for your project and what all cryptos accepted for the crowdsale?

Since the beginning of the new week we can update your rank

What if our rank getting higher sir, do we need to update the signature? And how does it count?

APPENDIX FOR HLCoin EARNINGS AND CREDITWORTHINESS ASSESSMENT

The borrower's smartphone is an effective tool for earning HLCoin and checking its creditworthiness. The client will consent to the processing of personal data when he will be installing our mobile application. We guarantee the confidentiality of our clients.

EARNINGS SYSTEM OF HLCOIN

The mobile application HOME LOANS that unites counterparties in one product will be able to motivate users to buy goods and services from partner companies (hereinafter referred to as the counterparty) through Cashback and a system of incentives in the form of HLCoin currency to which the borrower will repay the loan.

Our counterparties are offered the following system of relations:

-The counterparty is registered in the mobile application HOME LOANS thereby agreeing to the terms and conditions of the HOME LOANS system. In his personal account, he receives a certain number of HLCoin tokens which are only for the loyalty system and which will encourage borrowers to visit the organization's data to obtain HLCoin.

HLCoin, provided to the partners at the exchange rate HLCoin EPHLC (Exchange Price HLCoin - the exchange value of HLCoin) is equated to the already developed and working system of loyalty to their customers in the form of Cashback or various rewards that are returned to the client in the form of fiat money. HLCoin is paid to customers (borrowers) only when it visits a counterparty and pays for goods or services with traditional money and traditional money from counterparties through the loyalty system that is transferred to HOME LOANS. Thus, excluding the possibility of fraudulent actions on the part of the counterparty and the borrower by means of an agreement between them on the stable transfer of HLCoin to repay the loan without reinforcement by the loyalty system in the form of traditional money.

The value of EPHLC is determined by the value of the HLCoin exchange rate at the moment of implementation of the loyalty system.

HLCoin accrual can also occur if a user visits a counterparty that does not have a loyalty system to the customer but who is hosted in the HOME LOANS system as an advertisement for its product. The fact of the visit is recorded by the definition of geolocation and iBeacon sensors placed at the counterparties. The visit is limited to a time interval (1 visit at 48 hours).

In this system of relations with counterparties, a monthly fee is charged in traditional money for placing this organization in the mobile application HOME LOANS as an advertisement.

When a client visits this counterparty and this visit is recorded by determining geolocation and iBeacon sensors placed at the counterparties then the customer (borrower) receives HLCoin from HOME LOANS as an incentive. The number of HLCoin (Xhlc) in this case is defined as the number from the monthly advertising fee at the exchange rate of EPHLC at the time of the visit divided by 100-500 visits per month and until the monthly advertising fee (EPR) in traditional money will not be debited.

Xhlk = EПP/Yпм (at the moment EPHLC)

CONCLUSION: the counterparty receives customers, the client receive HLCoin tokens to repay the loan, and traditional money which is returned through the loyalty system from our partners and then went to the HOME LOANS account for HLCoin purchase on the exchange & return to the ecosystem of the HOME LOANS system.


GROWING DEMAND IN THE MARKET

Provides its own loan repayment system without resorting to traditional money.

We forecast strong demand for our international home loan platform HOME LOANS. We will create our platform using open-source-resources where applications with impersonal data will be freely available. Access to personal data only with the consent of the client for the transfer the personal data to the third parties.

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.

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.

Thanks

It looks promissing, but how do you provide for every country also how can you re collect the loan from poor people? Here most people take loans from bank, but they end up in repayment due to the interest.

I like the purpose of this project which can help many people who have difficulty in obtaining loans to buy property especially people with below average ability. I will try to study this project more clearly.

Attention! SCAM!
https://bitcointalksearch.org/topic/m.26890495

HOW TO APPLY?

1. In the mobile application HOME LOANS, the borrower leaves an application for a loan ( the type of loan, the required amount, as well as the property for which the loan is taken, country, city).

2. The scoring program checks the borrower and the employees of HOME LOANS (in franchisee countries) object real estate on the legal purity. In countries where the registering authority on the block chain is a distributed register.

3. This information is exposed in an open form to the platform for investors and in particular the type of loan, amount, collection period, real estate object (after verification), the scoring result of the borrower (without borrower's personal data).

4. Collection of HLCoin in temporary storage (from 1 to 3 days). In fact, HOME LOANS buys from investors HLCoin at the exchange rate for the loan.

REGISTRATION PROCESS

After collecting the required amount of HLCoin (at the exchange rate, in case of volatility or shortage of tokens - compensation and difference by a smart contract is taken from the Guarantee Fund):

For the states where the crypto currency is legalized

1. As part of the blockchain registration of the encumbrance of real estate occurs in distributed registries. The technology of blockchain will simplify labor-intensive checks of public records for the confirmation of legal documents in real estate transactions.

2. HLCoin transferred to the Ethereum’s account which is provided by the seller of real estate at the exchange rate on the day of transfer of ownership.


For the states where the crypto currency is not legalized

1. In the legal field where the crypto-currency is not legalized, the registration of rights and encumbrances will take place within the laws provided by the state in which the transaction takes place. A representative of the platform (an organization working on franchising with a license for microfinance activities) prepares the legal documents for registration of a transaction and encumbrances on real estate. In case when borrower has a digital signature, the document flow occurs digitally. Encumbrances are imposed in favor of the legal entity. (With regard to volatility, if at the time of the transaction the price of HLCoin has risen or fallen, on the day of the transaction the required amount is automatically regulated from the Guarantee Fund (20% in HLCoin of the total number of HLCoin issued, which constitutes 30,000,000 HLCoin) or in favor of the borrower or the benefit of investors.

2. Insurance of rank, real estate and borrower.

3. Money on the day of the transaction is transferred to the seller's settlement account (a closed account that is unlocked after state registration of rights to real estate or with the help of a banking cell). Depends on the country and laws on registration of rights to real estate.


ENCUMBRANCE AND DEPOSIT.

Encumbrance means the restriction of the use, possession, and disposal of property. However, not every restriction can be applied to it. The main feature is that it is imposed in accordance with the law. There are two forms:

- At the will of the owner, voluntary;

- In addition to the will of the owner, compulsory.

Only the VOLUNTARY encumbrance is used on the HOME LOANS platform.

An example of voluntary encumbrance is a deposit. The owner deposits what he owns or acquires into property thereby burdening it.

DEPOSIT

The main point is that the property specified in the contract is a guarantee of repayment. If the debt is not repaid in full and on time then property deposit as security collapses against it. The deposit does not lose its force even in case of a sale of mortgaged property. The right to own a deposit can only be transferred with the conditional consent of the deposit owner.

THE RESOLUTION OF NON-PAYMENT LOAN DISPUTES

For the states where the crypto currency is legalized

1. If there is a shortage of HLCoin crypto currency to debit the customer's wallet from a mobile application HOME LOANS for a monthly payment, the system will notify the borrower about it.

2. If the borrower has an insurance event then decision of the matter automatically occurs as a smart contract with the insured company entered into the system and in which the life of the borrower was insured.

3. If the borrower understands that he cannot pay a mortgage or asks to reduce the amount of payment in HLCoin for a certain period (restructuring) then he fills the application in the mobile application for restructuring. The scoring program calculates the number of HLCoin earned by the borrower per month and makes conclusions about the creditworthiness and the new loan term.

4. If the borrower stops using the smartphone and visits partners then a representative of HOME LOANS (franchisee) is contacted with him to settle the matter.

Causes: temporary incapacity which results in the inability to earn HLCoin from everyday life, and other reasons that led to the inability to pay the loan.


For the states where the crypto currency is not legalized

1. If there is a shortage of HLCoin crypto currency to debit the customer's wallet from the mobile application HOME LOANS for a monthly payment, the system will notify the borrower about it. If the borrower has an insurance event then the borrower must immediately send a notice to his insurance company.

2. The fact of occurrence of the insured event must be confirmed by the insurance company for which it conducts its own verification. When the insurance company pays insurance in favor of the organization representing the interests of the HOME LOANS platform the money is transferred to HLCoin and goes back to the Guarantee Fund.

3. If the borrower understands that he cannot pay a mortgage or asks to reduce the amount of payment in HLCoin for a certain period (restructuring), he fills the application in the mobile application for restructuring. The scoring program calculates the amount of HLCoin earned by the borrower per month and makes a conclusion about the creditworthiness and the new loan term.

4. If the borrower does not receive payments and the borrower does not go to a dialogue to resolve the issue of debt repayment then these disputes are resolved in accordance with the procedure established by law on these issues in the country where the property is located.


Consequences of non-payment of a loan:

- A decrease in the borrower's rating, which entails a refusal to re-apply (depending on the reason);

- Confiscation of real estate.

Reimbursement of losses to investors:

The Guarantee Fund reimburses the residual amount of HLCoin to investors issued to the borrower (the property remains on the balance of HOME LOANS) in the event of a situation with the non-repayment of the loan or the occurrence of insured events.

Investors or owners of HLCoin have the right to redeem real estate, which is on the balance of HOME LOANS by means of auctions.

HOW MONEY TRANSFERS TO SELLERS OF REAL ESTATE IN COUNTRIES WHERE THE CRYPTUALS ARE OUTSIDE THE LAW

HOME LOANS will be registered in Estonia and for the realization of activity on exchange cryptocurrency for the legal person will receive the license which is called "tegevusluba alternatiivsete maksevahendite teen use osutamiseks".

Estonia is one of the foremost countries of technological innovation of crypto-currency in which the state government is friendly to introduce crypto-currency technologies into everyday life, healthcare, banking services and even e-Residents. Estonia today is a jurisdiction that implements a lot of bitcoin start-ups, ATMs of crypto-currencies and special peer-to-peer services for buying and selling cryptocurrency.

In countries where the currency is out of the law, our organization will transfer money to the sellers via bank transfers on the day of the transaction.

DISTRIBUTION OF DIVIDENDS FROM A LOAN BETWEEN INVESTORS

Dividends in HLcoin will be distributed each month between investors in the ratio of embedded HLCoin on loan.

APPENDIX FOR HLCoin EARNINGS AND CREDITWORTHINESS ASSESSMENT

The borrower's smartphone is an effective tool for earning HLCoin and checking its creditworthiness. The client will consent to the processing of personal data when he will be installing our mobile application. We guarantee the confidentiality of our clients.

POOLS??