MORTGAGE FINANCE
iQSM™ 100% LTPV loan to property value, fixed zero interest rate, fixed principal repayment only (PO) loans - have an initial loan to property and reserve asset collateral ratio - of just 60% and are fully pre-funded with no - deposit input or interest cost and no - upfront or ongoing funding line fees or client charges.
- global
- real estate system
- world leading technology secured ecosystem
AiON SmartCore™ fixed zero interest rate PO performance is independent of local interest rate and reference rate risks and is locked-down, within a - virtual-risk-free principal capital flow system designed to eliminate loan interest cost & create yield.
AiON SmartCore™ locks-down unrivalled levels, of - fixed and certain reserve funding profits upfront - and loan synchronised future state funding yield returns - that radically outperform, all local market banking industry ROA and ROE benchmarks by a fixed and certain local capital-flow-derived constant, of 10.24:1.
PO loan accounts have automated principal repayment offset, redraw and client-enabled equity line reset - refinancing rights and secure an unrivalled new class of - client reserve account abstracted and localised, yield asset enhanced drawing rights.
A rolling - math-regulated - current and future-state refinancing strategy based on releasing traditional bank required P&I initial loan deposits and then autonomously refinancing local current and future-state equity gains only, can fund from 1 to 30 yrs of forward PO loan repayments, with the initial refinance balance fixed, across all - localised reset phases. PO loan repayments are credited as pre-paid - against the compounding equity line release forward, and repayment risk is reduced to zero across all successive, loan-reset phases - of the outstanding PO loan.
AiON SmartCore™ autonomous global real estate refinancing protocols, have a - math-proofed and regulated - capacity and localisation capability to fully refinance, select - traditional real estate markets initially targeting US$63Tn in equity-value as a value-release reference base - for the top 10 RE markets only.
Savills Research UK and Oxford Economics UK, at end 2022 put the total global RE market value at US380Tn, with the top 10 RE markets alone accounting for in excess of US252Tn in value across their local underlying owner-occupied-residential, commercial, industrial and residential investment RE markets with a - forward - compounding - annual growth rate of 3.41%.
An individual with a bank or non-bank, P&I home loan service cost of 33.33%, and income taxes of 33.33% - can double net disposable household income virtually-risk-free subject simply to their house increasing in capital value per annum by a sum greater than the fixed PO loan service cost pa eg; a 30yr loan service cost of 3.33% pa and a 40yr loan service cost of 2.5% pa without need to ever fund the PO loan - from income again.
This PO refinancing protocol dramatically benefits individuals, businesses and governments alike, increasing local spending and job creation, with no need for governments to provide tax deductions for underlying - real estate loan interest payments.
We refer to all traditional or conventional mortgage loans, and securitised pass-through protocols, referenced on this website as pertaining to any, current market - IO or P&I mortgage loan or pool with a fixed or variable - interest rate % set above zero.
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. The content speaks only, as of the date indicated. Forward projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials, are subject to change without notice and may differ or be contrary to opinions expressed by your advisors or others.
