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Homelend - A platform for raising capital from the mortgage community

tháng 6 23, 2018
A platform for raising capital from the mortgage community
Homelend's P2P mortgage loan mechanism, also referred to as "alternative financing", is the process in which individuals can borrow and lend to each other without the intervention of banks or other financial intermediaries. Homelend P2P platform works by embedding business logic into mortgage loan contracts smart. This is the core function of the platform. By creating a set of smart contracts that carry out business processes, Homelend allows individuals to borrow money from their colleagues in a reliable, transparent and secure way. The main idea is that borrowers and lenders are not linked by means of a financial intermediary (such as a bank or a P2P centralized lending platform), but smart auto contracts Execute predefined business logic.
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The mortgage industry on negative days

Mortgage Lenders Are in Core Society

Owning a home is one of the basic human needs - the need most people can only afford by taking out a mortgage loan from a bank. Particularly in the United States, more than eight million mortgage loans are granted annually.
An industry worth thirty-one billion dollars ancient learning for disruption
The US mortgage market is worth fourteen trillion dollars, and the global market is expected to reach thirty-one trillion dollars by the end of 2018. However, whatever the social and economic market, Traditional mortgages are still very primitive.
The system is based on a long and complex paper-based process involving various intermediaries - a process that is loaded with inefficiencies and costs for borrowers and lenders. In addition, most mortgage loans are not affordable for a new generation of young borrowers, including millions of worthy credit from home loans because of the criteria it has obsolete.

The advantage of Homelend

How does the Homelend platform work?


Homelend connects borrowers and lenders in a unique way, controlled by smart contracts, without intermediaries. Borrowers will apply for mortgage loans through the foundation of Homelend. These applications will be evaluated and approved in advance (or not) with the help of artificial intelligence and machine learning technology. On the basis of Homelend, information gathering is done in a "all digital" way. Even the data contained in the paper must be transferred to the herbaceous plant digital archive based on scattered accounting technology. This data is provided by users and is carefully checked through professional verification vendors.

Financial flow


In Homelend, the financial flow from the lender to the borrower (and, ultimately, to the seller) is made entirely by the smart contract. No financial intermediation, control or decision-making of Homelend.
After the alphabetic character the buyer receives pre-approval from the system, regarding a particular property, the corresponding mortgage loan is listed in the Homelend's foundation. By then, the borrower has committed a specific payment, and the amount of the mortgage is determined.

Business model


Homelend being developed as a blockchain solution will greatly increase the ability to fund housing for many individuals and foreign terrorist organizations. Our value proposition is socially sensitive and is modern in an advanced P2P approach aimed at using technology for the benefit of society. However, Homelend also relies on a sound and profitable business model, which gains a sense for solving an unsecured market. On the one hand, Homelend creates an investment opportunity for many individuals, with a solution that combines a traditional industry like real estate, with an advanced technology like blockchain. On the other hand, it is possible for many individuals (who are due to different circumstances, including the current constraints in conventional credit risk models,
Supply and distribution
token The total number of HDM tokens issued during the Token Event will be 250 million.
Of this total supply, fifty million HMDs (20%) will be held in a reserve fund and two hundred million HMDs (80%) will be in circulation. The face value of each HMD token is one ETH = one.600 HMD.
Icon ........................... ..Code
total supply ............... .250,000,000 Standard ERC-20 Face value .................. .1 ETH = 1,600 HMD accepted Currency ... BTC , ETH, USD Softcap ........................... ..US $ 5,000,000 Hardcap ........................... America $ thirty.000.000 In addition to fifty million HMD cards are reserved, two hundred million HMD cards will be Initial circulation will be distributed as follows: 20 million (8%): Founding group 20 million (8%): Adviser and bonus 70 million (28)%): Selling before 90 million (36%): Public sale of TGE Sell before ..................... .. 1, 2018 The public sale is expected to take place in August of 2018.
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