HOME LOANS

HOME LOANS is a platform for investment in real estate secured loans around the world, built on the basis of the Ethereal platform. The HlCoin Token platform will be equipped with real estate objects and will be traded on crypto exchanges.
HOME LOANS platforms use complex algorithms to predict the creditworthiness of all customers and within just 20 minutes borrowers can get their first loan to buy real estate in their life only from their smartphone. All customers have the ability to pay less interest and have a higher credit rating, if they use our platform more often.
All Big Data and Aggregate Credits are stored in Blockchain. Thousands of investors have access to the millions of new customers we bring into the world economy and millions of people will have the opportunity to purchase property anywhere in the world.
The HomeLoans platform started as a company in 2011 to focus on real estate transactions and real estate secured loans in 2013, aimed at delivering optimal solutions to its customers. To increase the professional level in the field of real estate sales and mortgage loans every year, our employees are trained, as evidenced by the related certificates. Every year our organization participates in all forums, which take place in the framework of mortgage lending. Our partners are like giants like Sberbank, VTB 24, Gazprombank, URALSIB. To program this platform, we have attracted smart contract programmers and experts. Also in the development and development process we will attract specialists from the blockchain.

HOUSEHOLD LOANS is an easily accessible financial platform whereby people from all over the world can turn their savings into real estate-backed HLCoin currencies to get a return on real estate loans, property purchases and income protection from inflation. In the future we will be able to help all the 1.6 billion people who do not have their own housing, and also all those who, for whatever reason, are rejected by the bank, adding it to the new global decentralization cryptosystem.

BENEFITS
* CREDIT HOUSE for the crypto community: Creation of crypto ecosystems
* CREDIT DAY for business: attract new and old customers back
* HOME PAGE for people: opportunity to buy property without using traditional methods like banks
* HOUSE LOANS for local partners: global business scale

To create a HOME LOANS platform and grow business on a global level, our team took the decision to hold ICO. Successful ICO will enable us to quickly create products and services, and will also enable development in international markets.

TOKENS OFFER

The first phase of the project is the Pre-ICO HLCoin Token which will begin on 29 November and end on 29 December (1 bonus HLCoin = 0,5 $ + 50%)
* The second stage of the crowdsale project (1 HLCoin = 1 $ + bonus 3)
* During the HLCoin crowdlesale will collect some 150,000,000 tokens and be sold at a fixed price. Original price: token price set at 1 US dollar level - 1 HLC token.

Token Distribution:
Founder - 8%
Advisor - 4% Reward
-
Investors 3% - 85%
Bonus for first investor during token initial bidding (additional token added to purchase):
Bonus PRE-ICO + 50% 1- 3 days - bonus + 25% 3-9 days - bonus + 20% 9-18 days - bonus + 10% 18-31 days - bonus + 5%

COUNTRIES WHERE IT'S COMPLEX TO GET MORTGAGE
Bulgaria
 Fixed interest rate: 11%
 Interest on loans: up to 70%
 Loan term: up to 25 years.
Czech Republic
 Fixed interest rate: 5%
 Interest on loans: up to 60%
 Loan term: up to 35 years.
Switzerland
 Fixed interest rate: 4.5%
 Interest on loans: up to 50%
 Loan term: up to 10 years.
Australia
 Fixed interest rate: 3.5%
 Interest on loans: up to 60%
 Loan term: up to 25 years.
English
 Fixed interest rate: 2-4,5%
 Interest on loans: up to 70%
 Loan term: from 5 years.
The minimum amount of mortgage loans in Foggy Albion is £ 100,000, British banks do not choose to consider apps of less than £ 1 million. Such a loan to a financial institution is simply not profitable. As for the borrower, this situation is not good because the chances of getting a mortgage for an economy class apartment is much lower than if the fund is required to finance elite facilities. Officially, Russians can get a mortgage at an annual rate of 2 to 4.5% and a five year loan agreement with the possibility of further extension to the revised terms.

COUNTRIES WHERE IT MAY NOT BE POSSIBLE TO GET MORTGAGE
Thailand
 Very often Asian countries including Thailand (popular among investors and downshifter) lend only to local residents. This means that to get a mortgage, the borrower must obtain a residence permit or even national citizenship first.
Netherlands
 One of the requirements for loan approval in the Netherlands is the need to generate income in EU countries. If the applicant has this privilege then he has a chance, otherwise he should rely solely on his own resources.
Norway
 Norway is clearly not the most popular country for foreigners to get a mortgage but if such a desire is still visible the borrower must prove its earnings gained in the EU region.
Italy
 The situation with mortgages is even more complicated in Italy. It is necessary not only to open an account with a local bank first and use it actively, but also to have real estate on the Apennine peninsula or in the eurozone. Some Italian banks provide loans only to citizens who have a valid residence permit.
Japan
 There are some banks that specialize in lending to foreigners in Japan and in most cases to get a mortgage, it is necessary to have a permanent residence or even the nationality of the country.

Our solution
A. Creation of an international loan platform using open source resources based on chain block technology.
B. Provide private investors with access to large amounts of data.
C. Minimum 500,000 and maximum 50 million US dollars.
The original price: the token price is set at the level
1 US dollar - 1 token HLC.

CONCLUSION:
The opposite party receives the customer, the client receives the HLCoin token to repay the loan, and the traditional money is returned through our partner's loyalty system and then goes to HOME LOANS account to purchase HLCoin in exchange & return to the HOME LOANS system ecosystem.
Our goal is to help private investors and businesses working on blockchain technology to expand their client base significantly by accessing real estate lending and mobile marketing platforms for businesses.

Detail Information:

Website: http://home-loans.io/
Ann Thread: https://bitcointalk.org/index.php?topic=2479111.0
Facebook: https://www.facebook.com/HLCoin/
Twitter: https://twitter.com/HomeLoansCoin/
Whitepaper: http://home-loans.io/White_Paper_ENG.pdf

Author: Gunawan82
Bitcointalk: https://bitcointalk.org/index.php?action=profile;u=966506
ETH: 0x0355d1379e9Ffb7ED11D6Eeb109567E0b6Dc69c1