Homelend - will make housing affordable
Today I want to present you an overview of the new ICO project. The idea of the project is relevant at all times - the opportunity to have your own home, because this is one of the main needs of all people on earth. The problem of housing acquisition is especially acute in front of the younger generation due to the high cost. Mortgage lending is a solution to this problem. However, even here everything is not so simple, a number of obstacles arise, the main one being the weak creditworthiness of young borrowers. Additional costs, participation of intermediaries, complex and long paper processes - all this makes the credit system inefficient and outdated.
What Homelend offers
On the Homelend platform , a decentralized, peer-to-peer mortgage lending system is being developed. The main objectives of the development of this system are the modernization of the old credit system and the expansion of the ownership of real estate for young borrowers. The platform simplifies the process of obtaining a mortgage, removing intermediaries, reduces costs and saves customers time. The company's goals are as simple and clear as possible to everyone. The main tool in achieving these goals is to become the Peer-to-Peer (P2P) blocking technology.
How it works:
The merger of borrowers and creditors into a fully automated and easy-to-use platform is planned using distributed accounting technology (DLT) and intellectual contracts. The network architecture of the platform is built on the technology of Blochein and is based on special contracts Ethereum. These are the main guarantors of transparency, security and reliability of all transactions. All data on the received mortgage loans will be stored in a special public decentralized database. This eliminates the possibility of manipulating data. In addition, lenders will be able to trade their investments with each other directly to
Homelendwill develop three different ways of crediting P2P: the method of pooling, kraundfanding and auction. In each of them, the movement of finance is controlled and carried out by intellectual contracts without intermediaries.
Kraundfending method
This is the simplest method. Each loan is conditionally divided into parts. By way of a kraundfinishing method, each lender finances its own part. The mortgage loan is approved and issued to the borrower when all of its parts are bought by investors.
Auction
If lenders can offer borrowers better terms than the platform offers, they participate in the auction, offering either a lower interest rate or discounts to borrowers.
Unification method
This method is a little more complicated, but more flexible and effective. It allows lenders to finance their units through smart contracts even before the loan is approved. To do this, the Homelend system will classify mortgage loans according to the level of risk.
How it works:
The merger of borrowers and creditors into a fully automated and easy-to-use platform is planned using distributed accounting technology (DLT) and intellectual contracts. The network architecture of the platform is built on the technology of Blochein and is based on special contracts Ethereum. These are the main guarantors of transparency, security and reliability of all transactions. All data on the received mortgage loans will be stored in a special public decentralized database. This eliminates the possibility of manipulating data. In addition, lenders will be able to trade their investments with each other directly to
Homelendwill develop three different ways of crediting P2P: the method of pooling, kraundfanding and auction. In each of them, the movement of finance is controlled and carried out by intellectual contracts without intermediaries.
Kraundfending method
This is the simplest method. Each loan is conditionally divided into parts. By way of a kraundfinishing method, each lender finances its own part. The mortgage loan is approved and issued to the borrower when all of its parts are bought by investors.
Auction
If lenders can offer borrowers better terms than the platform offers, they participate in the auction, offering either a lower interest rate or discounts to borrowers.
Unification method
This method is a little more complicated, but more flexible and effective. It allows lenders to finance their units through smart contracts even before the loan is approved. To do this, the Homelend system will classify mortgage loans according to the level of risk.
Advantages of Homelend:
• Simplicity, speed and efficiency are achieved through the use of intelligent contracts with embedded business logic.
• Transparency and convenience of the process of applying for a loan and the ability to interact directly with creditors make it attractive to borrowers.
• Absence of middlemen and cheapness are achieved through the use of distributed accounting. All transactions are registered without the participation of banks, which significantly reduces costs both from borrowers and from creditors.
• Reliability and security of all actions ensures the use of smart contracts. Decentralization and the absence of paper processes are key factors in security and invulnerability.
Token
Token
On the platfom, the HMD token will be used as a means of payment.
Standard: ERC20
1 ETH - 1,600 HMD
Total amount is 250,000,000
Soft cover - $ 5,000,000
Hard cover - $ 30,000,000
Distribution of tokens
36% - basic sale
28% - preliminary sale
20% - reserve fund
8% - advisers and bounty campaign
8% to the team
Distribution of funds
40% - development of the project
35% marketing
25% - to the team
Team
The project team is headed by Asher Dori - a top manager with a huge international experience in the field of investment and company creation. As a leading ICO specialist, he led and participated in a number of mega ICOs (eg, Telegram and Bancor). He managed to gather around him a worthy team, which includes: experts in finance and business, leading programmers, block-technologists, designers and many others. Conclusion
The construction of a new modern mortgage market is the main goal of the project. The issues that affect the team are relevant, the goals are achievable, this allows us to assume that their technology will become in demand, and thus profitable. The project has already received a lot of positive ratings from rating sites, which is a good sign. The previous results of the team members increase their chances for successful development and our credit of trust. We wish the project success, and investors successful investment!
Team
The project team is headed by Asher Dori - a top manager with a huge international experience in the field of investment and company creation. As a leading ICO specialist, he led and participated in a number of mega ICOs (eg, Telegram and Bancor). He managed to gather around him a worthy team, which includes: experts in finance and business, leading programmers, block-technologists, designers and many others. Conclusion
The construction of a new modern mortgage market is the main goal of the project. The issues that affect the team are relevant, the goals are achievable, this allows us to assume that their technology will become in demand, and thus profitable. The project has already received a lot of positive ratings from rating sites, which is a good sign. The previous results of the team members increase their chances for successful development and our credit of trust. We wish the project success, and investors successful investment!
Additional Information:
Website: https://homelend.io/
Whitepaper: https://homelend.io/files/Whitepaper.pdf
Facebook: https://www.facebook.com/HMDHomelend/
Twitter: https://twitter.com/homelendhmd
Telegram: https://t.me/HomelendPlatform/
Ann Thread: https://bitcointalk.org/index.php?topic=3407541
Author:
username bitcointalk: galaou
ETH: 0xaA3029E3C435c49dF4DF47ABB684262966e58A9C
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