Homelend Ico
What is Homelend
Homelend is a decentralized platform that allows you to finance next-generation mortgage lending. Homelend creates an interface for direct interaction between borrowers, lenders and other parties involved in the mortgage value chain. Thus, it provides a mortgage back-end investment using a peer-to-peer model with security, transparency and automation provided by distributed book technology (DLT) and intellectual contracts. Homelend is currently launching ICO to raise capital to support our project. Our offer is from Zug, Switzerland (aka Crypto-Valley), to the highest standards of security and trust.
How does Homelend work?
Homelend is building a decentralized platform for mortgage lending, which will have two main objectives:
To modernize the aging mortgage lending system, to make it more efficient, cost-effective and customer-oriented
Expand the possibilities of owning real estate for a new generation of borrowers, satisfying their special way of life and needs
To achieve these goals, Homelend will use blockchain technology and intellectual contracts to unify the parties in a decentralized market. Individual borrowers and lenders will be able to interact in the Homelend market. Homelend is an end-to-end system that processes all phases of the mortgage process - from the early stages of the application to the final stages of paying your last mortgage payment.
The Homelend era revolves around Homelend Token, or HMD.
Borrowers will be able to access three different ways of crediting P2P on the Homelend platform, including pure reverse processing, consolidation and auction. In each of these ways of lending, the flow of financial resources is controlled and executed by intellectual contracts without the need for intermediaries or financial intermediaries. Each financing method can also divide the mortgage into "pieces".
Method Crowdfunding: Crowdfunding is the easiest way to finance Homelend. Potential lenders can find investment opportunities in the form of mortgage "pieces". The borrower's loan will be divided into smaller fractions, and the smaller creditors can provide a piece of this mortgage (by making cash) in exchange for a fixed interest rate on the basis of the mortgage terms.
The method of consolidation: the unification method gives economic flexibility to the Homelend credit system. As part of the consolidation method, lenders can invest money through smart contracts before a specific mortgage has been pre-approved. Investors still buy different "pieces" of mortgages, although a reasonable contract allows creditors to pre-purchase slices before the loan is approved.
Auction method: the auction method will allow investors to offer various mortgage loans as investment opportunities. For example, you can find a buyer with a good credit rating offering a generous interest rate. You compete with other investors by offering a piece of this mortgage. The main difference from the auction method is that there is no financial buffering in the process. The advantage is that lenders can offer borrowers better conditions than those that were previously approved by the platform if they so desire.
What problems does Homelend need to solve?
Homelend aims to use blockchain technology to destroy the "archaic" mortgage industry. The home newspaper Homelend affirms that today's mortgage industry is centralized both socially and economically, and "the traditional system of mortgage lending remains incredibly primitive." Some of the problems identified by Homelend include:
The mortgage process is lengthy, complex and requires a lot of documents
Submission of a mortgage application is completed by intermediaries that reduce efficiency and add costs to the application process
Mortgage loans are unattainable for new generations of young borrowers, which means that millions of creditworthy individuals can not get mortgage loans "because of outdated evaluation criteria"
Given these problems, Homelend seeks to build a mortgage platform using blockchain technology.
Features and Benefits of Homelend
Homelend highlights all of the following features and benefits:
Optimized and effective: the process of applying for mortgage loans is currently manual and lengthy. Homelend wants to use blockchain and smart contracts to make it streamlined and efficient. Homelend builds predefined business logic into intelligent contracts, digitizes documentation, and eliminates unnecessary processes. Homelend is specifically aimed at reducing the end-to-end process of borrowing mortgages from 50 days to less than 20.
Transparent and convenient: Homelend aims to get rid of today's ambiguous and awkward mortgage filing process and replace it with a transparent and user-friendly process. Homelend will create a crediting process that will be smart, simple and fair, allowing borrowers to easily apply for a loan, monitor the status of their application at any time and directly interact with mortgage lenders.
Economically profitable without intermediaries: Homelend will present an economically efficient process of filing a mortgage without intermediaries. The block chain will replace the intermediaries, allowing the two defenseless sides to interact with each other. All transaction data will be recorded in the block chain, allowing borrowers and lenders to maintain maximum transparency throughout the entire transaction process.
Reliable and secure: Homelend aims to use the blockchain to process mortgage-related data in a more reliable, transparent and secure way than ever before.
How do homemade tokens (HMD) work?
Homelend ICO tokens, or HMD, are the ERC20 markers based on Ethereum. Pre-sale for tokens began on March 1, 2018. As of April 2018, the date has not yet been announced for crowdsale.
In total, there are 250 million HMD tokens. The cost of the tokens is estimated at a nominal value of 1 ETH = 1600 HMD. Homelend has installed a hard cap of $ 30 million for the sale of the marker.
Of the total volume of deliveries of tokens, 36% are for public sale, 28% for pre-sale, 20% for reserve fund, 8% for consultants and bounty, and 8% for founders.
Token Symbol: HMD
Conversion to ICO: 1 ETH = 1600 HMD
Hard Cap: $ 30 million
Total delivery: 250 million HMD tokens
Minimum investment: 1,000 USD
Acceptance: BTC, ETH, Fiat
Soft cover: $ 5,000,000
Hard cover: $ 30,000,000
Distribution of supplies
36% Crowdsale
20% To the team, early buyers and project advisers.
8% Bounty Awards
8% of the founders
Who is behind the homeland?
Homelend co-founded Itai Cohen (CEO) and Netanel Bitan (CTO). Other listed members of the executive team include Ricardo Enriquez (Chief Innovation Officer) and Amir Nahmias (chief business officer).
Homelend collaborates with BrightNet, GenesisZero, NetObjex and Market Allross to revitalize its platform.
Homelend is based in Zug, Switzerland. The company was registered in 2016.
untuk Informasi lengkapnya, bisa kunjungi link dibawah ini:
Website: https://homelend.io/
Technical documentation: 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: Tejo_surty
Eth Address: 0xF9BC056454948A5D645c86708243A9C7d9578334
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