PROPERTY FINANCE
IQSM SmartCore™ powers a revolutionary new purchase and mortgage refinancing system that reduces loan lifetime service costs by up to 100% with absolutely no - "out-of-pocket" - loan repayments to make for rolling five year loan reset periods (up to a maximum of 8 resets), across the standard PO-40 yr term.
Unrivalled
IQSM SmartCore™ multi-line reserve finance protocols secure unrivalled new 100% loan to valuation (LTV) fixed zero interest rate, fixed principal only repayment mortgages without interest rate costs or deposit requirements, and redefine how new loan equity based multi-line reserve assets are created and utilised.
A PO-40 home loan, has a fixed principal only repayment cost of $208 per $100,000 borrowed; as opposed, to a P&I 30 year term 5.25% service cost, of $556 per $100,000 - meaning you would qualify to purchase a new home 266% greater in value
with the benefit of greater levels of pre-funded loan equity and capital gains with no 'out-of-pocket' loan repayments, to make.
IQSM SmartCore™ PO-40 fixed zero interest rate funding line protocols will disrupt interest-bearing mortgage systems world wide changing forever - how local mortgages are secured and pre-funded and - how multi-line reserve asset based valuation metrics are applied, for residential and commercial real estate.
Improved Housing Affordability and Living Standards
A pre-funded PO-40 property finance - as an alternative to P&I or IO loans or renting - increases, client net disposable income during the 40 yr term of the new PO-40 based mortgage - by a sum - equal to the refinanced P&I or IO loan or rental costs pa.
The math-regulated unification, of client asset ownership - with local value chain rights of use to yield-optimise and create and release independent new reserve assets - with 3.2:1 times the value of each loan advance - is the most compelling aspect of our global value chain synchronised - funding service protocol.
IQSM SmartCore™ virtual-risk-free - PO-40 - mortgages have radically reduced operational risk and a maximum - initial loan exposure to both property and yield-provisioned reserve asset collateral of 25.00% only - with 0.00% exposure - by month 60.
IQSM SmartCore™ global multi-line reserve funding protocols create unrivalled - property title-chain-linked and secured loan equity based collateral reserve assets at 3.2 times the amount advanced initially, and in each new 5 year funding reset phase thereafter, in lieu of traditional interest based margins, radically outperforming, all banking - ROTA - profit measures, by 12.5:1.
Releasing Unrivalled New Social & Economic Impact Benefits
In each 5 year forward looking funding line reset there is a new credit applied monthly to the principal balance outstanding and a corresponding reduction in current-state carried - loan equity with no lender rights to or shared use of, property capital gains.
All new PO loan accounts have reserve account offset, redraw and credit line drawing rights - and ongoing term-reset options.
During the next 2 to 5 years, we will witness the biggest wealth control transfer in history, as local real estate asset control and matched underlying equity rights shift, from the balance sheets of traditional lenders & securitisation providers back to owners.
Dramatically Increased Net Household & Investment Income
IQSM SmartCore™ mortgage refinance services dramatically eliminate all out-of-pocket forward mortgage service costs and lockdown increased net disposable household income and net investment returns, and consumer spend. With zero direct PO repayment flows, between the PO-40 mortgage borrower, and lender - there is no interest, credit, duration, or forex exposure.
PO-40 mortgages empower local borrowers to drawdown new funds for property renovation & other approved purposes, and refinance out - as pre-funded fixed zero interest rate mortgage extensions all - client eligible - revolving, instalment, and open credit based auto, credit card, real estate, investment, student loan, private school education fees & personal insurance lines.
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.
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.
