GLOBAL VIRTUAL MORTGAGE SYSTEM
IQSM SmartCore™ multi-line reserve funding 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 define how potent new loan equity based value creation lines are formed, and applied.
No Competition
IQSM 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.
Zero Touch - 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.
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
iQSM 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, as fixed zero interest rate mortgage extensions - all client eligible - auto, card, education, and personal credit 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
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 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
IQSM 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.
