GLOBAL REAL ESTATE MARKETS
The global real estate market (with mainland China excluded) is the world's largest and most stable single investment asset class. It has an unrivalled store of value base after mortgages outstanding that can be loan equity value matched in real-time and applied as 1:1 zero marginal cost loan credits on-demand.
iQSM SmartCore™ fixed zero interest rate property refinance 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.
Intelligent Mortgage Finance
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.
For example if you owned a a $500,000 P&I financed property (with costs as above) then you could upgrade to a $1,330,000 PO-40 financed property with exactly the same loan qualifying costs, and additionally would have the benefit of 266% greater levels of fixed pre-funded loan equity and capital gain accruals with no initial or future out-of-pocket loan repayments - to fund.
Regenerative Funding
IQSM SmartCore™ powers a revolutionary new purchase and mortgage refinancing system that reduces loan lifetime service costs by up to 100% with no 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.
A PO property purchase or refinance - 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 interest margins radically outperforming all current bank and non-bank, ROTA profit measures - by 12.5:1.
Funding Service Automation
In each reset there is - a new credit applied pm to the principal balance outstanding and no use of local property capital gains.
All new PO loan accounts have reserve account offset, redraw and credit line drawing rights - and ongoing term-reset options.
Over the next 5 years - and by the end of this decade in 2030, we will witness the largest, wealth & control transfer in human history, as real estate asset control and underlying equity held shifts from the balance sheets of 'traditional' mortgage lenders and third party securitisation funding providers back to owners.
Increased Net Disposable Income
IQSM SmartCore™ mortgage refinance services dramatically increase client - local net disposable household or investment income and - localised - consumer spending. With zero direct PO repayment flows - between the local PO-40 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 fixed zero interest rate mortgage extensions client eligible - auto, card, education, and personal credit 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.
