GLOBAL FINANCE SYSTEM
AiON SmartCore™ multi-line reserve funding protocols secure unrivalled new 100% loan to valuation (LTV) fixed zero interest rate, fixed principal only mortgages, with forward principal only (loan equity) service cost to gross income qualification, without an interest rate cost, or a deposit requirement - redefining how loan equity based value creation lines are created and applied.
No Competition
AiON SmartCore™ PO-40 fixed zero interest rate finance and refinance services eliminate all pre-existing local interest-rated P&I and IO mortgage repayments across rolling 5 year forward periods up to 40 years - dramatically increasing the client's net disposable income and local consumer spend and maximising their credit rating - with no change in the prior loan balance o/s and no utilisation of the client's property based, equity position.
They are a simple multi-line reserve representation of a secure and non-speculative equity line bonded funding control system and empower a generic ecosystem based business model that fully eliminates the use of "loan interest" in both traditional and Islamic banking, finance & asset management, at global scale.
Automation
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.
With no direct payment flows, required - between the borrower and lender - there is no interest, credit, or FX cost or 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.
Sustainable Long Term Competitive Advantage
AiON SmartCore™ mortgage funding - virtualisation protocols and services, will disrupt all - interest-bearing - funding service systems world-wide, changing forever how all owner-occupied residential real estate mortgages, are secured and pre-funded.
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.
A PO property purchase or refinance - as an alternative to P&I or IO loans - increases net disposable household income by a sum that is equal to, the full - P&I or IO or PO - borrowing cost regardless of the fixed or variable loan repayment rate in force.
Virtual Risk Free
AiON 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 60 - with no deposit or loan costs - other than principal only repayments and no forex exposure, for any GCU aligned 'virtual mortgage'.
Mortgage Secured Forward Credit Lines
PO-40 mortgages also empower eligible borrowers to leverage their direct property equity to drawdown new funds for property renovation and other approved purposes, and to refinance out on a PO-40 secured loan equity basis all - client-eligible - auto, credit card, education - and business linked (SME) credit lines.
Global Math Regulated Multi-Line Reserve Mortgage System
AiON SmartCore™ global mortgage funding service protocols unify all, math-regulated profit sharing and wealth creation rights and instantiate a maximum initial 25.00% debt funding to market capitalisation ratio. They power unprecedented - new social and economic impact benefits - on a local client and community level.
