REAL GSCi™ prefunded principal loans - for residential owner occupied homes have a maximum initial mortgage funding line exposure to both property and yield-provisioned reserve asset collateral of just 25.00% at settlement & 50.00% in pre-funded  loan principal crediting mode - with 0.00% exposure by month 24 - as collateral reserve assets, 3:1 times the initial mortgage amount financed are created & property-value-chain-allocated.​

​​

Unrivalled

​

REAL GSCi™ local collateral reserve based yield optimisation services fully offset - 100% of mortgage principal service costs and radically enhance, local affordability and valuation metrics, for all owner-occupied residential real estate assets - and can't be matched - by any local interest-bearing funding line system.

 

REAL 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, local market capital allocation timeframe.

 

Intelligent by Design

​

Within the REAL 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.

​​

Each finance issuance line within the IQSM GSCI™ framework follows a "programmatically-secured" recursive local yield path.

​​

Each tranche, behaves as an independent yield-complete sub-instrument, meaning the full 40 year term is offset as - a series of eight five year "zero-marginal-cost" PO principal only resets each representing 5 years, of forward-looking principal repays.

​

PO-40 Mortgage Finance - Making Housing Affordable - for All​​

​

REAL GSCi™ funding service protocols power the world's first democratised social wage system funded not by - government taxes but compounding local sovereign regulated capital flows.

​

REAL 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.​​​

 

In each reset there is - a new credit applied pm to the principal balance outstanding and no use of local property capital gains.​​​​

 

Affordable Finance

​

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.​​

​

REAL 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 new PO-40 financing or refinance - as an alternative to your current P&I or IO mortgage loan, or rental contract, outgoings will radically increase your net disposable 'household income' by a sum equal to the PO enabled P&I or IO or rental savings regardless of the fixed/variable rental or loan costs - PO reset.​

​​​

REAL 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.