PRE-FUNDED NEW FINANCE
REAL GSCi™ provisioned mortgage finance for residential and business owner-occupied real estate, has a - maximum - initial funding exposure to property and initial baseline reserve asset collateral of just 25.00% at settlement & 50.00% in pre-funded forward crediting mode - with a 0.00% exposure - by month 24
as new collateral reserve assets at a minimum of 3:1 times the initial amount financed, are created, and 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.
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 reset line within the GSCI™ framework follows a programmatic full finance term based, future state capital path.
Each IFSC tranche behaves as an independent yield-complete sub-instrument meaning the PO-40 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™ qualified PO-40 principal only rated finance and refinance services eliminate all pre-existing local interest-rated P&I and IO mortgage service costs 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, with no use of 'home-owner' equity rights.
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.
PO-40 mortgages enable local borrowers - to draw-down 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 based mortgage loan, or rental contract outgoings will radically increase your net disposable 'household income' by a sum equal to the P&I mortgage savings 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.
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.
