GLOBAL REAL ESTATE FINANCE
IQSM SmartCore™ licensed funding service mandates secure localised funding service rights, without traditional interest rate and loan deposit limitations and re-define how local real estate stores of value are enhanced & mortgage credited on-demand.
- global
- fixed zero rate system
- world leading technology secured ecosystem
IQSM SmartCore™ 40 year term, fixed zero interest rate (PO) mortgage finance services reduce - 30 year 5.25% P&I based loan service costs by 62.5% - and in refinance reset mode will eliminate the need to make any repayments for a rolling 5 year period, dramatically increasing the client's local net disposable household income (NDHI) and also increasing local consumer spend without increasing the loan balance or accessing equity.
IQSM SmartCore™ powers 100% loan to property value, fixed zero interest rate - fixed principal only (PO) - multi-line reserve asset optimised new purchase and refinanced loans, with a 40 year term PO fixed loan service cost of $208 per $100,000 pm.
IQSM SmartCore™ mortgages have a maximum - initial - loan exposure ratio, to property and yield-provisioned reserve asset collateral of 25.00%, and 0.00% exposure by month 120 - with no deposit or loan costs - other than principal only repayments.
IQSM SmartCore™ has an unrivalled math-regulated funding service capacity and capability to refinance, release and yield-enhance all existing - real estate based stores of value locked down in global residential and commercial real estate markets.
IQSM SmartCore™ global multi-line reserve funding protocols unlock pre-existing stores of value and create unrivalled - new title-chain referenced - collateral reserve - assets and yields at 3.2 times loan value, in lieu of local interest rate margins - and radically outperform all banking industry profitability measures.
PO Refinance Example - $1,000,000
A 40 year term - (2.50% POR) - $1,000, 000 fixed zero interest rate - fixed principal only repayment - mortgage loan refinance will reduce a same loan value based 30 year term 5.25% - P&I loan service cost of $66,720 pa to zero for a rolling 5 yr period in principal offset mode eliminating the need to make any loan repayments from the client's after-tax income with 100% of the $66,720 pa saved P&I loan cost, totally released - as client net disposable household income and now available for consumer spending without any increase to the $1,000,000 loan balance or access to, the clients's pre-existing - property equity holding.
The democratization of both client-directed asset ownership and community rights of use to yield-optimise and release value on a matched local and global high quality liquid asset HQLA basis is the most compelling aspect of our reserve assetization protocols unifying client and community derived value and wealth creation.
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. 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.
