HOME LOANS - KRYPTOCURRENCY IS APPLIED BY REAL ESTATE

WHAT IS HOME LOANS ..?

HOME LOANS is an experienced team that has been working in the field of real estate for over a decade (www.glr38.ru) and especially with the real estate loans for more than 4 years (license for microfinance activity from the Ministry of Finance of the Russian Federation from 2013) and in IT development for over 5 years (http://strekalev.ru/) decided to create the HOME LOANS platform.

The reason of making HOME LOANS platform
Recently, borrowers are facing the problem of getting a mortgage for the purchase of the housing.
There are no official reasons for refusals denials even with people who have an ideal credit history.
The reasons may be different levels of the economy, refinancing rate, the
different levels of the economy, refinancing rate, the internal regulations of banks, the number of defaults, the age of the borrower, and etc.

GLOBAL PROBLEM:
1. Access to adequate housing is the universal right of everyone. Meanwhile  seizing 1.6 billion           people in the world.
-  Failed to meet minimum requirements.
-  A negative credit history or no credit history.
-  High credit load.
-  Low income level. Fraud.
-  Debts for administrative or criminal liability.
2. Banks are reluctant to communicate with foreign customers, for reasons of high level of risk.
   One of the main reasons for giving you a mortgage, is a letter secrets of the world's largest Bank,  which you must position as  paying customers.

OUR SOLUTION: HOME LOANS

is a platform for investment in secured loans by real estate around the world, built on the basis of the Ethereal platform. The HLCoin Token platform will be equipped with real estate objects and will be traded on crypto exchanges. HOME LOANS platforms use complex algorithms to predict the credit worthiness of all customers and within just 20 minutes borrowers can get their first loan to buy real estate in their life only from their smartphone.

All customers have the ability to pay less interest and have a higher credit rating, if they use our platform more often. All Big Data and Aggregate Credits are stored in Blockchain. Thousands of investors have access to the millions of new customers we bring into the world economy and millions of people will have the opportunity to purchase property anywhere in the world.

PEOPLE NEED MONEY AND HOUSE - BUSINESS AND INVESTORS NEED CUSTOMERS

HOUSE PAYMENT FOR PEOPLE

- 1.6 billion people do not have their own housing system

- own to loan payment without using traditional money

GREAT DATA FOR INVESTORS AND INSURAPCE COMPANIES

- Big demand from investors and insurance companies

- stable income

Calculation of annuity payment :

Here is an example of annuity payment calculation

Let's say 30,000 HLCoin is borrowed (at a cost of 1 $ pf 1 HLCoin) at 4.2% for a period of 10 years

Initial data:

S = 30 000 HLCoin

i = 0.35% (4.2% / 12 months) = 0,00035

n = 120 (10 years х 12 months)

We substitute these values in the formula and determine the annuity coefficient:

0,00035 * (1 + 0.00035) ¹²⁰ / (1 + 0.00035) ¹²⁰- 1 = 0.008511016

Monthly payments:

A = K × S = 0.008511016 * 30000 = 255,33048 HLCoin

TEAM

For more please see our website:

Whitepaper : http://home-loans.io/White_Paper_ENG.pdf

Website       : http://home-loans.io/

Telegram     : https://t.me/homeloanscoin

Profil bitcointalk : https://bitcointalk.org/index.php?action=profile;u=1653045

ETH: 0x5f5f506A001A179b8eE67214a7754Bfe04ffadE0