FINANCE
IQSM GSCI™ local multi-line reserve funding protocols secure unrivalled new 100% loan to valuation (LTV) fixed zero interest rate - fixed principal only repayment mortgages, and sovereign credit lines and automate how reserves are created & secured.
IQSM GSCI™ local mortgages have a maximum - initial - loan exposure ratio to property and yield-provisioned reserve asset collateral of just 25.00% - and a 0.00% exposure by month 48.
IQSM GSCI™ local base money secured - multi-line - reserve protocols have a math-regulated, local market funding service ability to progressively refinance, licensed real estate markets within a fixed 2 year M24-48 local capital allocation timeframe.
Finance Term Based Compression
Within the IQSM GSCI™ framework - credit term compression refers to the process by which a long-term financial instrument (eg; a 40 year principal only mortgage or sovereign credit line) is mathematically decomposed into shorter capital yield cycles that are recursively self-funding. Each eg: 5 yr reserve tranche in the PO-40 structure represents a - 90 day - mini-life-cycle of capital creation - yield distribution - and reserve replenishment.
At the start of the initial loan, principal coverage is fully prepaid via recurssive yield, enabling term resets without any borrower repayments.The term compression mechanism reduces 40 yrs of loan servicing into eight yield-optimised - 90 day reset loops.
Each finance issuance line within the IQSM GSCI™ framework follows a "programmatically-secured" recursive local yield path.
Issue Phase (M0)
For every $1 of base money capital deployed - simultaneously $3 of new GCU reserve assets are created, (3:1 reserve ratio).
Yield Phase (M0-24)
The collateral reserve pool generates deterministic yield asset flows sufficient to secure all new PO-40 repayment obligations.
Reset Phase (M24-48)
The mortgage loan or sovereign bond rolls forward eliminating local servicing, credit, duration and interest cost and risk - and neutralises all GSC indexed FX (foreign exchange) exposures.
No new borrowing is required as the original loan capital base is reset - and is deterministically, and recursively re-energised.
Recursion Loop (Repeat by 8)
Each tranche, behaves as an independent yield-complete sub-instrument, meaning the full 40 year term is offset as - a series of eight 90 day 'zero-marginal-cost' principal repayment resets.
Powering Sustainable Long Term Social and Economic Impact
IQSM GSCI™ funding service protocols power the world's first decentralised social wage system, funded not by - government taxes but compounding local sovereign regulated capital flows.
IQSM GSCI™ local PO-40 fixed zero interest rate finance and refinance services eliminate all pre-existing local interest-rated P&I and IO mortgage repayments - dramatically increasing net disposable "after-tax" household and investment income flows.
PO-40 Mortgage Finance - Making Housing Affordable - for All
In each reset there is - a new credit applied pm to the principal balance outstanding and no use of local property capital gains.
With no direct payment flows, required - between the borrower and lender there is no interest cost, credit risk, or FX exposure.
All new PO loan accounts have reserve account offset, redraw and credit line drawing rights - and ongoing term-reset options.
Clients have the option - to make additional out-of-pocket loan principal repayments at any time without limit - and there is no traditional interest-rate based early repay, or break fee penalty.
Short & Long Term Competitive Advantage on a Global Scale
iQSM GSCi™ BMU and GCU mortgage funding protocols and services will disrupt all local - interest-bearing - funding service systems world-wide, changing forever how all owner-occupied residential real estate mortgages, are secured and pre-funded.
PO-40 mortgages empower local borrowers to drawdown new funds for property renovation & other approved purposes, and refinance, as fixed zero interest rate mortgage extensions - all client eligible - auto, card, education, and personal credit lines.
Unrivalled Home Loan and Real Estate Investment Savings
A PO property purchase or refinance - as an alternative to P&I or IO loans - increases net disposable household income by a sum that is equal to, the full - P&I or IO or PO - borrowing cost regardless of the fixed or variable loan repayment rate in force.
IQSM GSCI™ empowered mortgage funding service protocols unify all local value creation rights, and empower new social and economic impact benefits - on a local client and community level.
