Home Loans - Real Estate Platform for Customers to Purchase a Home

More than 1.6 billion people in the world do not have their own housing. Mortgage loans are the most severe and long-term type of bank loans. There is no surprise that financial institutions check borrower’s trustworthiness very thoughtful before lending money. Financial entities have to make a wide range of procedures such as credit score, security investigation, and credit history check in Bureau (which is not free) in order to evaluate and make a decision on the bank's credit committee.

If you have dark spots in biography or you are not mature enough then the bank has a right to refuse to lend you money. For this reason, very often people with a bad credit history are wondering whether they will get an approval for the mortgage loan or not. Unfortunately, there is no right answer to this question. However, there is no case that can be considered completely hopeless because you can always find a different solution.

About 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.

Our Goal

Creation of an international platform for Peer-to-peer lending on Ethereum Block Chain, using our own HLCoin's cryptocurrency to lend people to purchase real estate around the world at a minimum interest rate from private investors without resorting to intermediaries in the sale and purchase of peer-to-peer P2P (peer-topeer) transactions. Everyone who owns HLCoin is an investor.

Peer-to-peer lending (or person-to-person lending, peer-to-peer investing, social lending, P2P lending) is the lending to individuals by individuals without the involvement of traditional financial players such as banks.

GLOBAL PROBLEM :

1. Access to adequate housing is a universal right of everyone. Meanwhile it

deprived 1.6 billion people in the world.

Fails minimum requirements.
A negative credit history or no credit history.
High credit load.
Low level of income. Fraud.
Debt to administrative or criminal liability.

2. Banks are reluctant to communicate with foreign clients, citing the high level of risk. One of the main reasons to provide you with a mortgage, is a confidential letter from the world's largest Bank, which you should position as paying customers.

OUR SOLUTION :

HOME LOANS is a platform for investment in loans secured by real estate around the world, built on the basis of the Ethereum platform. Token HLCoin platforms will be provided with the real estate objects and will be traded at crypto exchanges. HOME LOANS platform uses complex algorithms to predict creditworthiness of all customers and in just 20 minutes a borrower can get their very first the first loan to purchase real estate in his/her life just from their smartphone.

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

Why Home Loans

System earnings of the borrowers for loan repayment: Mobile application HOME LOANS, uniting contractors-in-one the product will motivate borrowers to buy goods and services from partner companies, due to the CashBack and reward system in the form of currency HLCoin, which the borrower will repay the loan.

HOME LOANS are easily available financial platform, which Investors from around the world will be able to convert their savings into HLCoin, to be able to increase revenues from loans secured by real estate, sale and purchase of real estate and to protect their incomes from inflation. 100% return on investment in case of loan default the Guarantee Fund. The property remains on the balance sheet of the HOME LOANS or investors.

Token Details