Home Loans-uses complex algorithms to predict creditworthiness

Website : http://home-loans.io/

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. See more here : http://home-loans.io/White_Paper_ENG.pdf

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-to-peer) 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.

HOME LOANS will be an easily accessible financial platform through which people from all over the world can convert their savings into HLCoin currency supported by a real estate for a potential yield from real estate lending, property purchase and protection their income from inflation.
Due to an opportunity for smart contracts and innovative financing platforms for real estate loans, HLCoin will reduce costs and improve the speed of traditional business in lending on the security of real estate and eliminate the need for third parties participation.
The international lending platform for real estate HOME LOANS provides for such types of loans as:

• Loans for housing under construction.
• Loans for secondary housing.
• Loans for commercial real estate.
• Loans for land purchase.
• Loans for own property.

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. According to our long-term strategy, HOME LOANS should become part of the cryptosystem. In the future, we are considering integration with the following hightech products.


HOME LOANS for business: attracting new and returning old customers

The business model is extremely simple. Service (mobile application HOME LOANS) leads the client to the partner (counterparty). If the client makes a purchase or uses the service then the seller returns a part of the amount in HLCoin (provided free of charge to the platform) to the customer (borrower) as Cashback, and in traditional money to the account of HOME LOANS. This motivates borrowers to come to our partners and make purchases mobile lid generator. Now business does not need to spend huge money on advertising to attract customers they will come themselves.

HOME LOANS for people: It gives people the opportunity to buy property without resorting to traditional methods like banks. The platform has its own scoring system which analyzes borrower’s credit history and analyzes HLCoin production in the mobile application HOME LOANS. It gives better chances for the borrower whose credit history was damaged due to circumstances beyond his control.

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. We will create our platform using open-source-resources where applications with impersonal data will be freely available. Access to personal data only with the consent of the client for the transfer the personal data to the third parties.

HOME LOANS for local partners: global business scaling

We developed business development algorithms in new countries which are based on our work experience and extensive studies of markets and legal segments. We are going to launch an international franchise after launching the platform.

The first stage of the project is the Pre-ICO HLCoin Token which will start on November 29 and end on December 29, during this period the price is going to be the following: 1 HLCoin = 0.5 $ +50% bonus The collected money on the Pre-ICO will go to the ICO advertising campaign and creation of a prototype platform and mobile application HOME LOANS.
The second stage of the crowdsale project. During crowdsale investors can purchase HLCoin Token at a fixed rate using the US dollar (USD), Bitcoin, Ethereum.1 HLCoin = 1 $ + bonuses
During crowdsale HLCoin will compile a limited number of 150,000,000 tokens and be sold at a fixed price. The total time interval of crowdsale is 30 days.
The primary offer of HOME LOANS tokens and the corresponding process of creating tokens will be based on the use of “smart contracts” launched on the basis of Ethereum.

Name of the tokens: HLC

The total volume of issued tokens: 150,000,000 HLC.

Total amount during the initial sale: 120,000,000 HLC.

Guarantee fund: 30 000 000 HLC

Tokens that will be not sold during the initial offer will be destroyed.

Objectives:

Minimum of 500 000 and maximum of 50 million US dollars.

Original price: the price of the token is fixed at the level of

1 US dollar 1 HLC token.

Token distribution:

Founders 8%

Advisers 4%

Bounty 3%

Investors 85%

Bonuses to the first investors during the initial offering of the tokens (additional tokens added to the purchase):

PRE-ICO bonus + 50%

1–3 days bonus + 25%

3–9 days bonus + 20%

9–18 days bonus + 10%

18–31 days bonus + 5%

Bonus program

Facebook campaign — 17%

Twitter campaign — 17%

The Bitcointalk Signatures campaign is 20%

The Bitcointalk Support campaign — 20%

Campaign for publishing information in the media — 11%

Creative support of the project — 10%

YouTube Subscription Company — 5%

CONCLUSION:

The counterparty receives customers, the client receive HLCoin tokens to repay the loan, and traditional money which is returned through the loyalty system from our partners and then went to the HOME LOANS account for HLCoin purchase on the exchange & return to the ecosystem of the HOME LOANS system.

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.

TEAM

MORE INFORMATION :

Website : http://home-loans.io/

Whitepaper : http://home-loans.io/White_Paper_ENG.pdf

ANN Thread : https://bitcointalk.org/index.php?topic=2479111.0

Telegram : https://t.me/HomeLoansENG

Facebook : https://web.facebook.com/HLCoin/

Twitter : https://twitter.com/HomeLoansCoin/

Profile BItcointalk : https://bitcointalk.org/index.php?action=profile;u=1275057