MORTGAGE BANKING
REAL GSCi™ local - PO-40 - principal only real estate finance protocols will disrupt interest-bearing mortgage systems, world wide, changing forever how all Western and Shariah compliant mortgage finance is funded and secured - and how new global valuation metrics are applied for - all - local real estate classes.
Unrivalled
REAL GSCi™ reserve localised - PO-40 mortgage loans have radically reduced operational costs and a maximum initial loan exposure to both property & system provisioned reserve asset collateral of 25.00% at settlement - and 50.00%, in pre-funded principal crediting mode - with a 0.00% exposure by month 24.
Intelligent by Design - Affordable Local Finance
REAL GSCi™ property mortgages are design formulated with a PO-40 income qualifying cost of 2.50% pa over a term of 40 years ie; a $208 pm service cost per $100,000 borrowed vs a $556 pm per 100,000 borrowed P&I 5,25% 30 yr service cost increasing the new PO-40 qualifying property buy price range with the same gross qualifying income (30%) - by up to 266%.
REAL GSCi™ local collateral reserve based yield-optimisation services can offset, up to 100% of all - PO-40 principal service costs and enable unrivalled new global yield valuation metrics for - all - residential and commercial, real estate asset classes.
Over the next two years of local operations we will witness the largest wealth control transfer, in human history, as real estate mortgage costs are offset credited - and control is shifted from the balance sheets of local mortgage lenders - back to owners.
Dramatically Increased - Net Disposable Household Income
REAL GSCi™ powers the world's first truly democratised, and equitably funded social wage system - for all - powered not by local governments, but via simple borrower mortgage savings.
REAL GSCi™ powers an unrivalled new residential mortgage pre-funding product option - that can reduce, your pre-existing housing mortgage costs by up to 100% - with no future out-of-pocket principal only mortgage service repayments - required.
A pre-funded PO finance or refinance - as an alternative to P&I or IO loans, or renting - increases client net disposable income in each and every year of the new PO mortgage loan by a sum equal to the P&I or IO or rent cost pa, for the relevant property.
All PO-40 loan accounts - have reserve account offset, redraw and credit line drawing rights, with ongoing term-reset options.
Unrivalled New Yield-Optimised Real Estate Valuation Metrics
The math-regulated unification of client asset ownership - with programmable real estate asset aligned yields to progressively optimise and power independent new valuation metrics - is the most compelling aspect, of our local reserve mapping services.
We refer to all - traditional mortgage loans, covered bond, and securitised pass-through protocols, referenced on this website as pertaining to any, current market - P&I or IO mortgage loan or pool with a fixed or variable - interest rate % set above zero and all interest-free - Shariah Compliant - financial instruments that secure local property lease-back or shared equity finance.
This content is provided for your informational purposes only - and should not be relied upon, as local legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to - any - securities or reserve assets are for illustrative purposes only and do not constitute an investment recommendation or an offer to provide investment advisory services. Furthermore, this content is not directed at nor intended for use by any investors or prospective investors, and may not under any circumstances be relied upon, when making any investment decision. Past performance is not indicative of future results. Content speaks only, as of the date indicated. Forward projections, estimates, forecasts, targets, prospects & opinions expressed in these materials are subject to change without notice and they may differ or be contrary to opinions expressed by your advisors or others.
