HOME LOANS will easily accessible financial platform through which people from around the world will be able to convert their savings into foreign currency HOME(Coin) supported by the estate for the potential yield from loans secured by real estate, repurchase real estate, and to protect their income from inflation.
Each HOME(Coin) is a part of safe investment in no-purpose loans secured by real estate that allows people from all over the world to convert the currency of the country in crypto-currency, inflation-resistant. Users can instantly convert their currency into HOME(Coin) and back, and to make any purchase, regardless of the cost.
Due to the possibility of smart contracts and innovative financing platforms in lending on real estate, HOME(Coin) will reduce costs and improve the speed of the traditional business of lending for mortgages and eliminate the need for the participation of third parties.
In future we will be able to help all the 1.6 billion people who do not have their own housing, and also all those who, for one reason or another, was refused by banks, adding them to a new global decentralized cryptosystem.
At the same time will be aggregated large amounts of data, reflecting the needs of customers and their online behaviour. Sharing and exchange of these data will allow private investors around the world to effectively invest their money, insurance companies to obtain new customers, and borrowers to acquire real estate at favorable terms and to repay the loan without spending to traditional money.
1. Loans for housing under construction (1 – 180 months, 1-3 % rate, up to$300,000)
2. Lending for second hand homes (1 – 180 months, 1-3 % rate, up to$300,000)
3. Lending for commercial real estate (1 – 120 months, 2-5 % rate, up to$500,000)
4. Loans for the land (1 – 60 months. 1-5 % rate, 250 000$)
5. Lending of private property (1 – 60 months. 1-5 % rate, 250 000$)
The age of the borrower is from 18 to 65 years (at the end of the loan).
Early repayment is available from the first month without fees.
There is annuity scheme of loan repayment.
HOME LOANS will be registered in Estonia and to facilitate the exchange of cryptocurrency for the legal entity will get a license, which is called “tegevusluba alternatiivsete maksevahendite teenuse osutamiseks”.
Estonia is one of the leading countries in technological innovation of cryptocurrency, to which its government friendly to the introduction of technologies of cryptocurrencies in daily life, healthcare, banking services, and even service e-Residents. Estonia today is the jurisdiction of the many bitcoin startups, cryptocurrency ATMs and special services peer-to-peer buying and selling of cryptocurrency.
In countries, where the cryptocurrency outside the law, our organization, through Bank transfers will transfer funds to sellers on the day of the transaction
The guarantee fund of HOME LOANS, which is 20% of the total number of issued HOME(Coin) tokens will cover 100% of the HOME(Coin) tokens issued by the borrower to purchase real estate if the loan is not repaid or the borrower stop paying. In this case the property remains on the balance of HOME LOANS (legal entity);
- the ability of borrowers to earn HOME(Coin) for loan payments through a mobile application of HOME LOANS:
There is a loyalty system of HOME LOANS in the form of HOME(Coin) for users of mobile HOME LOANS.
1) Eat at your favorite restaurant - get HOME(Coin).
2) Went for a run (or do anything related with sports) - get HOME(Coin).
3) Invited friends to us - get HOME(Coin).
4) Invited the partner to us - also get HOME(Coin).
5) You like to help others (volunteer)- get HOME(Coin).
- Cashback in the form of HOME(Coin) (cashback is form of loyalty, in the form of a return of part of the funds from the purchase back to the buyer) that will be used by our partners in the system of mobile marketing in our mobile application HOME LOANS to attract customers.
IRINA MANDRIK
CEO & Co-Founder
The financial market specialist on depositary activity since 2007 (certificate AIV-001 No. 001719)
Mortgage broker since 2013
1. Instagram: https://www.instagram.com/irina_mandrik/?hl=ru
2. Facebook: https://www.facebook.com/profile.php?id=100012369361389
3. Twitter: https://twitter.com/mandrik_irina
VYACHESLAV STREKALOV
CIO
Developer of innovative devices. Programming. http://strekalev.ru
1. 1. Instagram: https://www.instagram.com/strekalev/?hl=ru
2. Facebook: https://www.facebook.com/strekalev
ALEXANDER ERMAKOV
CIO
Software engineer
Facebook: https://www.facebook.com/alexander.ermakov.37819
ALEXANDER SAKHAROV
CIO
Software developer. Development experience is 5 years. Smart contracts specialist
https://vk.com/conder49
SERGEY ATCHESON
CMO
Mortgage broker,experience - 3 years
OLEG MILTER
CMO
Marketing Director/Commercial Director
To improve the professional level in the field of real estate sales and mortgage lending every year our employees trains that is confirmed by certificates.
Each year our organization participates in all forums, which take place in the sphere of mortgage lending. Our partners include such giants as Sberbank, VTB 24, Gazprom Bank, URALSIB.
1. Reddit: https://www.reddit.com/user/home-loans/
2. Golos: https://golos.blog/@home-loans
3. Linkedin (IN): https://www.linkedin.com/in/home-loans-hlc-76b7a9153/
4. Facebook: https://www.facebook.com/HomeLoans-1718926604819378/
5. Twitter: https://twitter.com/HomeLoansCoin
6. Medium: https://medium.com/@kadastr.irk/cryptocurrency-backed-by-real-estate-100-a-peer-to-peer-lending-service-that-works-with-beb2a4aab8318.
7. Telegram chat RUS: https://t.me/joinchat/CY1P0hAMVV7yRcOVqOYdPA
8. Telegram chat ENG: https://t.me/HomeLoansENG
9. Telegram channel: https://t.me/homeloanscoin
10. Bitcointalk ENG: https://bitcointalksearch.org/topic/annhome-loans-p2psale-rent-mortgage-loans-2479111
11. Bitcointalk RUS: https://bitcointalksearch.org/topic/annhome-loans-p2p-homecoin-2475699
13. Github: https://github.com/iumag/Home-Loans/blob/master/homeloans.sol