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Author Topic: [ANN][PRE-ICO] MORTGAGE. Already sold 282 158.5 HLCoin. CATCH  (Read 665 times)
HOME LOANS
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October 30, 2017, 05:08:46 AM
 #1

PRE-ICO

Only 12 days left
CATCH

Already sold 282 158.5 HLCoin = 71250$

Invest in your future home

29.11 - 29.12

2018

ICO

09.01 - 09.02




We are creating an international platform for Peer-to-peer lending on the Blockchain Ethereum using its our own crypto currency HLCoin, crediting people to purchase real estate around the world, with minimal percent from private investors, without intermediaries in the conclusion of transactions of purchase and making peer-to-peer P2P (peer-to-peer) transactions.

Every person who owns HLCoin is an investor or a borrower

Such crediting will take place using the online platform HOME LOANS by using various financial tools, audits and own scoring system check. This platform will not depend on economic factors of the state in which the property is located and the residence of the borrower. The world market for p2p lending, which was associated with the revolution in finance by 2020 will triple and reach $286 billion.

HOME LOANS will easily accessible financial platform through which people from around the world will be able to convert their savings into foreign currency HLCoin 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 HLCoin 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 HLCoin 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, HLCoin 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.


OUR PRODUCTS


On the international platform of lending estate HOME LOANS has provided types of loans, such as:

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


There is no  risks associated with non-payment of loans:

- a loan is secured by real estate by 100%,

The guarantee fund of HOME LOANS, which is 20% of the total number of issued HLCoin tokens will cover 100% of the  HLCoin 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 HLCoin for loan payments through a mobile application of HOME LOANS:

There is a loyalty system of HOME LOANS in the form of HLCoin for users of mobile HOME LOANS.

1) Eat at your favorite restaurant - get HLCoin.

2) Went for a run (or do anything related with sports) - get HLCoin.

3) Invited friends to us - get HLCoin.

4) Invited the partner to us - also get HLCoin.

5) You like to help others (volunteer)- get HLCoin.

- Cashback in the form of HLCoin (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.




In order to create a platform HOME LOANS and develop business on a global level, our team took the decision to hold ICO

Successfull ICO will allow us to quickly create products and services, and will also make possible the development in the international market.

● for further development of this platform. We know exactly what is necessary to achieve the set objectives. This development in the global market, starting with Russia, Europe, Asia, and Australia. We conducted all the necessary research and concluded preliminary agreements with prospective local partners;

● to attract more investors on the ICO and quick start of giving loans secured by real estate after the launch of the platform;

● to attract more borrowers on the ICO that will give them more chances to get their first loan to purchase their own property right after the launch of the platform, as the system of credit rating will be able they will calculate the monthly payment, based on the number HLCoin in the wallet;

● to attract more investors on the ICO of tokens for a quick start of giving the loans secured by real estate immediately after the launch of the platform.



OUR TEAM





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





VALENTINA KATZ


CEO & Founder

The founder of the  “Gallery”, www.glr38.ru experience: realtor for 12 years, Director 6 years

1.  Instagram: https://www.instagram.com/valensiyaaaa/?hl=ru

2. Facebook: https://www.facebook.com/valentina.kats.5





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



LUBOV KATZ


CFO

The chief financial officer.

We started as a company in 2011, fully concentrated on real estate activities and loans secured of real estate in 2013, focused on providing optimal solutions for its customers.

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.

For programming this platform, we have attracted programmers and experts on smart contracts
.

Also in the process of developing and running we plan to attract specialists in blockchain.

Welcome the help of other specialists!

[/quote]

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October 30, 2017, 05:42:39 AM
 #2

Big project. Now you don't need to go to the Bank and a lot of papers to collect and sign. A sound investment and a good loyalty for borrowers. Waiting for a white sheet.
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October 30, 2017, 05:46:26 AM
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Big project. Now you don't need to go to the Bank and a lot of papers to collect and sign. A sound investment and a good loyalty for borrowers. Waiting for a white sheet.
Thank you. We processed a lot of information around the world. We know the problems and their solutions both for investors and borrowers that would have been profitable to all.

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October 30, 2017, 06:03:37 AM
 #4


CRYPTOCURRENCY
BACKED BY REAL ESTATE 100%
A Peer-to-peer lending service that works with Cryptocurrency
secured by real estate

1-5% annual
From 1 month to 15 years

1.6 billion people do not have their own housing.
We are the 1st Blockchain credit Bureau, where every man can buy a house.
NOW EACH OF YOU CAN LEND FOR THE PURCHASE OF REAL ESTATE
LENDING ONLY IN HLCoin


       


Home Loans is a An experienced team that works in real estate for over 10 years (www.glr38.ru) and in lending on the security of real estate in excess of 4 years (license on microfinance activities from the Ministry of Finance of the Russian Federation of 2013) decided to create a platform HOME LOANS.
The reason for the creation:
Recently, we are increasingly faced with the problem of obtaining a MORTGAGE for the purchase of housing, including people with a perfect credit history. The official cause of the problem, not saying, but those very much. This level of the economy, the refinancing rate, the internal regulations of banks, the number of defaults and more.
Goal:
Creating a platform of Peer-to-peer lending on the Blockchain Ethereum using its own crypto currency HLCoin, lending for people to purchase real estate around the world, with minimal interest from private investors. Every person who owns HLCoin is an investor.
Peer-to-peer lending (or person-to-person lending, peer-to-peer investing, social lending, abbreviated as P2P lending) is lending to individuals by individuals, without the involvement a traditional financial players such as banks.
Such lending will occur using the online platform HOME LOANS using various credit and financial verification tools. This platform will not depend on economic factors of the state in which the property is acquired and the residence of the borrower.
The global market for p2p lending, which was associated with the revolution in Finance by 2020 will triple and reach $286 billion/
HOME LOANS will be easily available financial platform through which people from around the world will be able to convert their savings into foreign currency HLCoin supported by the estate for the potential yield from loans secured by real estate, foreclosure real estate, and to protect their income from inflation.
Each HLCoin is a part of safe investment in non-earmarked 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 HLCoin and back, and can be made of the purchase of any size.
We started out as a company fully focused on real estate activities and lending for mortgages, focused on providing optimal solutions for its customers.
Thanks to the possibilities for smart contracts and innovative financing platforms in lending on real estate, HLCoin will reduce costs and improve the speed of the traditional business of lending for mortgages and eliminate the need for many types of third parties.
In the long run 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, refuse banks, thus to include them in the new global decentralized crypto system.
At the same time, we will aggregate 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, and borrowers to acquire real estate at favorable terms.
This reduces the risks associated with nonpayments of the credits:
- A loan secured by real estate to 100%,
-Guarantee Fund HOME LOANS will cover 100% of the Tokens HLCoin 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 the Guarantee Fund.
The creation of a Credit platform using open source resources on the basis of the blockchain.
Loans on the basis of "smart contracts", a transparent and reliable credit history. We intend to provide investors access to our customers, offering them services of the highest quality.
Giving private investors access to large amounts of data.
Our platform will include a system of electronic identification on the basis of the blockchain and large amounts of data collected from smartphones of borrowers via the mobile app HOME LOANS.
Investors get the opportunity:
- stable earnings
- a large database of borrowers,
- A token backed by real assets - real estate and less prone to volatility
The ability of borrowers to earn HLCoin for the payment of the loan. Yes, it is real! Through the mobile application HOME LOANS:
Loyalty system from HOME LOANS in the form of cryptocurrency HLCoin to users of mobile HOME LOANS.
1) had a Bite at your favorite restaurant - get HLCoin.
2) Went for a run (or anything related to sports)- get HLCoin.
3) Invited friends to us - get HLCoin.
4) Invited the counterparty to us - also get HLCoin.
5) You love to help others (volunteer)- get HLCoin.
- Cashback in the form of cryptocurrency UnitLife (cashback form of loyalty, in the form of a return of funds from the purchase back to the buyer) that will be used by our partners in the system of mobile marketing in the form of our mobile application HOME LOANS to attract customers.

We will analyze these data using the developed scoring systems based on neural networks and artificial intelligence technologies. This procedure will be sufficient in order for the application for the loan was approved in just 20 seconds.

Access to the international market
Considering the scalability of our product, we analyzed the mortgage lending market and the Deposit market as a source of income and savings, countries of the world.
And adopted the strategy on interest rates and loan terms that will be optimal for borrowers and profitable for investors worldwide.
Our platform will be a ready to operate Franchise Financial Platform to facilitate access to new markets and deploy new units.


Dear friends. Our website and white paper will be published in the near future.
Please open the picture


Quote for image.
This project is very interesting because it will certainly help people have their own homes

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HOME LOANS
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October 30, 2017, 06:48:52 AM
 #5

Thanks

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October 30, 2017, 07:38:02 AM
 #6

very interesting, What are the next features of the project? when is the ICO? any bounty for this project? thanks

   SEMUX   -   An innovative high-performance blockchain platform  
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October 30, 2017, 07:55:48 AM
 #7

very interesting, What are the next features of the project? when is the ICO? any bounty for this project? thanks
of course, waiting bounty campaign from this good project for participate and i'm sure this project will running smoothly a future.
let's we waiting update and more information about this projects. will there be ICO and bounty campaign from this project.
I am also curious how the performance of this project. hope they good job.  Smiley

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Astorgame.com | PreSale is LIVE | Get Your Bonus


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October 30, 2017, 08:02:46 AM
 #8

hey dev are you need bounty manager for your ICO?

Astorgame.com  | eSports & Online Gambling | ICO is LIVE
BONUS for early investors
▬▬▬ ◈◈  Website ◈◈  Whitepaper ◈◈  ANN thread ◈◈  Facebook ◈◈  Twitter ◈◈  Telegram ▬▬▬
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October 30, 2017, 08:20:54 AM
 #9

Thank you all for your interest in our project. Start PRE-ICO's is scheduled for November 18

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October 30, 2017, 08:22:23 AM
 #10

hey dev are you need bounty manager for your ICO?
Yes, we need a Manager for bounty

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October 30, 2017, 09:09:25 AM
 #11

STRUCTURE HOME LOANS


Join the chat in the telegram: https://t.me/joinchat/C_131g-DLhZtHbUcZo2SIg

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October 30, 2017, 02:32:22 PM
 #12

Please open the image

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October 31, 2017, 07:02:35 AM
 #13

02 Oct 2017 (UN news Centre) — access to adequate housing is a universal right of every human being. Meanwhile it deprived 1.6 billion people in the world. This is stated in the report, which coincides with world habitat day.
"Millions of people are deprived of adequate housing, meanwhile, the number of vacant houses and apartments is growing," - said the Executive Director of the United Nations Programme for human settlements (UN-habitat) Joan Clos. He added that the housing market is inaccessible for many.
Own property abroad is the dream of many of us, but sometimes their own savings are insufficient to buy a foreign "dream home"; in this case, you can get a mortgage with a foreign Bank; however, you must keep in mind that the loan terms of different countries are quite different, as well as the possibility of obtaining the mortgage loan by foreigners; consider which States to make it easy and profitable – and which is practically impossibl.
Dream about your own property and assets in the form of foreign housing can be easily managed thanks to the Peer to Peer platform HOME LOANS.

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October 31, 2017, 07:03:23 AM
 #14

Now a lot of different P2P lending platforms carry out the ICO. But credit to them than not reinforced. Even the rating analysis does not guarantee a refund. In this project you have a currency fully backed by real estate that gives a great chance for stable growth. You've done the analysis of the global market?
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October 31, 2017, 07:06:13 AM
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Now a lot of different P2P lending platforms carry out the ICO. But credit to them than not reinforced. Even the rating analysis does not guarantee a refund. In this project you have a currency fully backed by real estate that gives a great chance for stable growth. You've done the analysis of the global market?
Yes, we spent a large amount of information. We are working on the platform in such a way that it was of interest to investors and borrowers.

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October 31, 2017, 07:12:17 AM
 #16

What types of loans you will provide?
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October 31, 2017, 07:13:09 AM
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What types of loans you will provide?
1. Loans for new construction
2. Loans for the secondary market.
3. Loans for land.
4. Loans for private properties (loans secured by real estate, business)
5. Loans for commercial real estate

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October 31, 2017, 07:18:06 AM
 #18

interesting idea. It turns out that if I buy HLCoin, I'll be able to lend?
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October 31, 2017, 07:22:40 AM
 #19

interesting idea. It turns out that if I buy HLCoin, I'll be able to lend?
Yes. all right. And if you buy HLCoin during PRE-ICO with a 50% bonus credit you can give in x2

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October 31, 2017, 07:26:07 AM
 #20

We analyzed the cryptocurrency market. And it's not a market where cryptocurrency backed by 100% real estate. We are the first. We already have clients ready to purchase properties in the cryptocurrency. And there are many such people

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