REAL ESTATE
Decroix Group - 100% LTV - no-interest - pre-funded principal finance empowers the world's first, global community housing system funded not by interest charges or local property equity sharing but by local multi-line collateral reserve yield services.
Unrivalled
Decroix no-interest pre-funded principal real estate mortgages have service costs reduced to zero and a maximum initial loan exposure to, property and multi-line reserve secured collateral assets of 25.00% upon settlement, reducing to 0.00%, as new collateral reserve lines are title-mapped and fully yield aligned.
Eliminating all - Local "Out-of Pocket" Mortgage Service Costs
Decroix Group creates unrivalled - local - yield-asset valuation metrics, and dramatically increased net disposable household and/or investment income - via mortgage service cost savings across all - residential & commercial real estate asset classes.
IQSM GSCI™ replaces all traditional local interest rate spread & property equity sharing business models, with compounding local sovereign - equity capital value optimized - yield services.
Within each IQSM GSCI™ framework credit term compression refers to the process by which a long-term financial instrument (eg; a 40 year - no-interest - pre-funded principal mortgage, is mathematically decomposed - within a single settlement cycle.
Beyond all Local Banking, Credit and Value Creation Systems
Each singular reset within the service line framework follows a programmatic full-reserve-term-based future state capital path.
IQSM GSCi™ title-chained assets, behave as - yield-complete sub-instruments - with loan principal repayments pre-allocated from newly generated reserve lines and fully offset as pre-paid loan principal credits with no contractual 'out-of-pocket' repays for any o/s balance needed - until a property sale, or term end..
Intelligent by Design
No-interest pre-funded principal mortgages, eliminate all local interest rate risk and costs and reduce credit default, duration, and servicing risk - with no direct payments required, between borrower and lender until a final discharge of the loan balance outstanding upon property on-sale or the end of the loan term.
Productive New - Yield Optimized Residential Housing Assets
These savings, secure an unrivalled new standard of living for households - with future cash flows and equity control shifting from bank & non-bank lender balance sheets, to local owners.
Mortgage loan accounts have reserve-aligned offset, redraw & credit line drawing rights, with ongoing term-reset options and are available in either a full-recourse or a non-recourse format subject to local market regulatory & responsible lending terms.
Unrivalled Social & Economic Empowerment - at Global Scale
The math-regulated unification of client-asset-ownership, with programmable real estate asset aligned yield, to progressively optimise and secure independent new valuation metrics is the most compelling aspect - of the local reserve mapping system.
Decroix no-interest financing enables borrowers to draw-down new funds - for approved property investments and renovation purposes, and to refinance as secured loan extensions - client eligible, local auto, card, student, personal and business loans.
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 or any Western or Shariah Compliant financial instrument that is dependent on, shared property equity, or leaseback 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.
