IQSM SmartCore™ fixed zero interest rate optimised - funding and lending services dramatically outperform and systemically disrupt all interest-rated banking and finance systems - and all commercial and GSE securitisation, bond rating and valuation metrics and local cash flow discounted loan valuation systems.

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-  global

-  fixed zero rate system

-  world leading technology secured ecosystem

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The fixed zero interest rate PO mortgage loan system offers a simple and affordable way, for all local - home and investment property owners to - totally - eliminate, their mortgage interest  costs, and to - radically - increase their net disposable income.

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IQSM SmartCore™ - mortgage loan - secured and embedded funding services, render - all - traditional real estate mortgage, current account, deposit yield, credit card, personal loan, auto loan products, and asset management services uncompetitive.