INTELLIGENT REAL ESTATE 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.
Affordable Finance
Local market mortgage interest rates represent the major cost of financing a new home. As mortgage rates rise - home loans and therefore home buying costs become more expensive. As rates fall home buying becomes more affordable. Amortisation of P&I interest rates decreases your loan principal credits as a percentage, of loan principal financed - by a mean of 98.5% in year one alone radically reducing fixed and certain future loan equity gains that are independent of varying YoY capital gains.
Value Chain Automated - Real Estate Agency Network Effects
If you are wanting to sell your current property and upgrade to a higher value property, with no notional increase in payments you now have the option, to sell and buy - a new property with no selling or buying agency costs at up to 266% greater value with a concurrent - time and cost efficient - settlement process.
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 - powering the capability to buy a new PO-40 financed home with up to 266% greater purchase value and fixed loan equity and capital gains with the same P&I based qualifying gross income service limit.
Forward Loan Equity Finance Process
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, simply increases net disposable income for the full 40 yr term of the new PO-40 based mortgage - by a sum equal to P&I or IO or rental cost pa for the same property.
Zero Touch - New Purchase & Refinance 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.
Global 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.
The math-regulated unification of client asset ownership - with ecosystem rights of use, to yield-optimise and to progressively create and release independent new reserve asset value on a local HQLA basis at a fixed capital flow regulated ratio of 3.2:1 is the most compelling aspect of this reserve account protocol.
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.
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.
Virtual Risk Free
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 120.
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.
Unrivalled Profitability
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 mortgage industry profit measures.
IQSM SmartCore™ licensed funding mandates - are designed to create, and to loan-equity match - local reserve line defined real estate stores of value currently 'locked-down' in mortgage lender balance sheets and mortgage-free owner-held property.
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.
