Nowadays borrowers are facing the problem of getting a mortgage for the purchase of the housing. There are no official reasons for refusals but there are a lot of such denials even with people who have an ideal credit history. The reasons may be different but the most common are the level of the economy, refinancing rate, the internal regulations of banks, the number of defaults, the age of the borrower, and etc.

Creation of an international platform for Peer-to-peer lending on Ethereum Block Chain, using our own HLCoin’s cryptocurrency to lend people to purchase real estate around the world at a minimum interest rate from private investors without resorting to intermediaries in the sale and purchase of peer-to-peer P2P (peer-topeer) transactions. Everyone who owns HLCoin is an investor. Peer-to-peer lending (or person-to-person lending, peer-to-peer investing, social lending, P2P lending) is the lending to individuals by individuals without the involvement of traditional financial players such as banks.

Platform HomeLoans started as a company in 2011 to focus on real estate transactions and loans secured by real estate in 2013, aimed at providing optimal solutions to its customers. To improve the professional level in the field of real estate sales and mortgage lending each year, our employees trained, as evidenced by the corresponding certificates. Every year our organization participates in all forums, which take place in the framework of mortgage lending. Our partners such giants as Sberbank, VTB 24, Gazprombank, URALSIB. For programming this platform, we have attracted programmers and experts on smart contracts. Also in the process of developing and running we will attract specialists from the blockchain.

HOME LOANS will be an easily accessible financial platform through which people from all over the world can convert their savings into HLCoin currency supported by a real estate for a potential yield from real estate lending, property purchase and protection their income from inflation. In future we will be able to help all the 1.6 billion people who do not have their own housing, and also all those who, for one reason or another, was refused by banks, adding them to a new global decentralized cryptosystem.

The international lending platform for real estate HOME LOANS provides for such types of loans as: 
1. Loans for housing under construction. 
2. Loans for secondary housing. 
3. Loans for commercial real estate. 
4. Loans for land purchase. 
5. Loans for own property.

*HOME LOANS for the crypto community: Creation of a crypto-ecosystem
*HOME LOANS for business: attracting new and returning old customers
*HOME LOANS for people: the opportunity to buy property without resorting to traditional methods like banks
*HOME LOANS for local partners: global business scaling

In order to create a platform HOME LOANS and develop business on a global level, our team took the decision to hold ICO. Successfull ICO will allow us to quickly create products and services, and will also make possible the development in the international market.


*The first stage of the project is the Pre-ICO HLCoin Token which will start on November 29 and end on December 29 (1 HLCoin = 0.5 $ +50% bonus)
*The second stage of the crowdsale project (1 HLCoin = 1 $ + bonuses 3)
*During crowdsale HLCoin will compile a limited number of 150,000,000 tokens and be sold at a fixed price. Original price: the price of the token is fixed at the level of 1 US dollar — 1 HLC token.

Token distribution:
Founders — 8% 
Advisers — 4% 
Bounty — 3% 
Investors — 85% 
Bonuses to the first investors during the initial offering of the tokens (additional tokens added to the purchase): 
PRE-ICO — bonus + 50% 1–3 days — bonus + 25% 3–9 days — bonus + 20% 9–18 days — bonus + 10% 18–31 days — bonus + 5%

Website: http://home-loans.io/

Ann Thread: https://bitcointalk.org/index.php?topic=2479111.0

Facebook: https://www.facebook.com/HLCoin/

Twitter: https://twitter.com/HomeLoansCoin/

Whitepaper: http://home-loans.io/White_Paper_ENG.pdf

My Profile Bitcointalk: https://bitcointalk.org/index.php?action=profile;u=862019

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