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June 29, 2018, 02:52:48 PM |
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The Viva project aims to make the process of obtaining mortgage loans easier, and make the loans themselves cheaper. For this purpose, it is planned to create an ecosystem like UBER, which will link borrowers and creditors. In general, this idea is not new at all and was repeatedly offered by other companies. In this case, there is a narrow specialization in lending for the purchase of housing, rather than lending in general. This slightly reduces (albeit does not cancel) the need for an assessment of the borrower's creditworthiness. After all, in this case, the insurance against non-payment is the housing itself. However, in this regard, there are some new difficulties associated with the evaluation of housing and so on. If we consider the quality of preparation for the ICO, it is on an average level. It is especially bad that the declared MVP is in the restricted access only for the participants.
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