panjilaras: HOMELEND

{HOMELEND}

A MORTGAGE CROWFUNDING PLATFORM

WHAT IS HOMELEND?

Homelend is a decentralized platform enabling the next generation of homebuyer mortgage financing. Homelend creates an interface for direct interaction between borrowers, lenders and other parties involved in the mortgage value chain. By doing so, it enables mortgage crowdfunding using a peer-to-peer model with the security, transparency and automation provided by distributed ledger technology (DLT) and smart contracts.

MORTGAGE LOANS ARE AT THE CORE OF SOCIETY

Having a home is one of the basic human needs – a need most people are only able to afford by taking out a mortgage loan from the bank. In the U.S. alone, more than 8 million mortgage loans are granted every year.

AN ARCHAIC $31 TRILLION INDUSTRY YEARNING FOR DISRUPTION

The U.S. mortgage market is valued at $14 trillion, and the global market is expected to reach $31 trillion by the end of 2018. Yet, despite how central this market is both socially and economically, the traditional mortgage lending system remains incredibly primitive.

The system relies on lengthy and complex paper-based processes involving various intermediaries—processes that are laden with inefficiencies and overhead costs for both borrowers and lenders. Moreover, mortgage loans are largely unattainable for the new generation of young borrowers, excluding millions of creditworthy individuals from obtaining home loans due to outdated assessment criteria.

THE HOMELEND ADVANTAGE

From manual & lengthy, to Streamlined & Efficient

By embedding pre-defined business logic into smart contracts, digitizing documentation and eliminating unnecessarily processes, Homelend will automatically execute an end-to-end origination process, cutting it down from 50 days to less than 20.

From Costly Intermediation to Cost-Effective & Middleman-Free

The immutability, security and transparency provided by DLT makes it possible to record transactions, including loans, without banks acting as middlemen. This will reduce costs for both borrowers and lenders, while minimizing the distance between them.

From Ambiguous & Clunky to Transparent & User-Friendly

Homelend aims to create a lending process that is not only smart, but also simple and fair. It will enable borrowers will be able to easily apply for a loan, track their application status at all times and interact directly with mortgage lenders.

From Vulnerable & Unreliable to Trusted & Secure

Centralization and paper-based processes are the key factors behind the insecurity and vulnerability that characterize the traditional mortgage industry. The unique characteristics of DLT and smart contracts enable Homelend to provide a platform for people to transact large amounts of money in a trusted, transparent, and secure way.

THE HOMELEND TOKEN (HMD)

The HMD token is the fuel powering the Homelend peer-to-peer lending platform. It’s main functionality is to grant access to the Homelend platform.

This utility token also plays an instrumental role in enabling a fast, smooth and user-friendly workflow that is unified and secure.

All tokens can be converted to and from HMD.

Specifications

Symbol………………………..HMD

Total Supply…………….250,000,000

Standard……………………ERC-20

Face Value………………..1 ETH= 1,600 HMD

Accepted Currencies…BTC, ETH, USD

Softcap………………………..US$ 5,000,000

Hardcap………………………US$ 30,000,000

TOKEN ALLOCATION

28% Pre-sale

36% Public sale

20% Reserve Fund

8% Advisors and Bounty Program

8% Founders

USE OF PROCEED

25% General Administration

40% Development

35% Marketing & Community Building

ROADMAP

TEAM & ADVISERS

Executive Team

Itai Cohen: Chief Executive Officer

Netanel Bitan: Chief Technology Officer

Ricardo Henriquez: Chief Innovation Officer

Amir Nahmias: Chief Business Officer

Developing Team

Michael Tanfilov: Strategic Planning Director

Kanat Tulbassiyev: Leading Blockchain Developer

Ram Stivi Backend: Developer

Sol Alvarado Quijano: Graphic Designer / Community Assistant

Vinod Morkile: Blockchain Developer

Advisory Board

Eliran Madar: Business Development / Investor Relationship

Yoram Uzan Entrepreneur

Moti Friedman: Marketing consultant

Danny Coddy Appraisal

Raghuram Bala; Analytical Technology Executive

Ido Samuelson: Blockchain Expert Advisor

Marc Kenigsberg: Tokenomics and Data Management Advisor

Adina Haham: Business Growth Advisor

panjilaras

Rabu, 09 Mei 2018

HOMELEND