home loan

Introduction:
October 2, 2017 (UN News Center) - Access to adequate housing is the universal right of everyone. And yet 1.6 billion people in the world are deprived of it. This is stated in the report which is timed to the World Habitat Day. "Millions of people are deprived of adequate housing, and yet the number of vacant houses and apartments is growing," said Joan Clos, the executive director of the United Nations Human Settlements Program (UN-Habitat). He added that the housing market for many of us is not available. Own property abroad is a dream for many of us but sometimes our own savings are not enough to buy "dream house" in foreign countries .
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.

Identified Problem:
Countries where borrower can easily just get a mortgage loan Rising housing prices and strict lending conditions are one of the main reasons why people are delaying purchases and preferring to rent housing. In the USA, the share of owners has reached a record low since the third quarter of 1995, and since 2004 it has tended to decline.

Spain Fixed rate: 4-5,5% Floating Rate: 2% Loan interest: up to 80% Loan term: up to 30 years The price bubble that burst on the Spanish property market and the resulted imbalance in supply and demand led Spanish banks to become more loyal to foreign borrowers wishing to purchase the local real estate. Today, a mortgage in Spain can get any foreigner above 18 years old. When applying to a bank, the borrower can choose between a fixed and a floating rate, in the first case its size varies within the range of 4-5.5%, in the second case it starts at 2% annually.
Creation of an international loan platform by using open-source resources on the basis of block chain technology.
Loan based on smart contracts is a transparent and reliable credit history. We intend to provide investors with access to our clients by offering them the highest quality services.
Providing private investors with access to large amounts of data.
Our borrower evaluation program will include a system of electronic identification of a person based on a blockchain and large amounts of data collected from borrowers' smartphones via the mobile application HOME LOANS.
Way to the international market
By considering the possibility of scaling our product we analyzed the mortgage market and the deposit market as a source of income and savings by countries of the world.
HOW WILL HOUSE LOANS WORK?
OUR PRODUCTS
The international lending platform for real estate HOME LOANS provides for such types of loans as:

1. Loans for housing under construction.
2. Loans for secondary housing.
3. Loans for commercial real estate.
4. Loans for land purchase.
5. Loans for own property.
   PROPOSED BENEFITS
   HOME LOANS for the crypto community: Creation of a crypto-ecosystem Our goal is to help private investors and business working on the basis of blockchain technology to significantly expand its client base by accessing our real estate lending platform and mobile marketing for business.
   HOME LOANS for people: It gives people the opportunity to buy property without resorting to traditional methods like banks.
   GROWING DEMAND IN THE MARKET Provides its own loan repayment system without resorting to traditional money. We forecast strong demand for our international home loan platform HOME LOANS.

FOR Further Information Visit
Official Website: http://home-loans.io
Whitepaper: http://home-loans.io/White_Paper_ENG.pdf
ANN Thread: https://bitcointalk.org/index.php?topic=2479111.0
Official Facebook Page: https://www.facebook.com/HomeLoans-1718926604819378/
Official Twitter Page: https://twitter.com/HomeLoansCoin/
Official Telegram Channel: https://t.me/HomeLoansENG

Authorized by
Luckyji
https://bitcointalk.org/index.php?action=profile;u=1754163

ETH Wallet:
0xD12a18C8ec1E5A54E0D91f831c525C42d7eb3D38