THE FUTURE OF MORTGAGES
A BETTER WAY TO BUY A HOME
Introducing an entirely new way to get home loan. The Viva Mortgage Platform,. is a crowdfunding platform that allows users to originate their mortgage capital requirement by connecting them with thousands of lenders from all around the world. Streamlining the traditional process and, for the first time, introducing international capital to borrowers in regions with inefficient credit systems. Completely eliminating the need to rely on financial intermediaries and other expensive middlemen to get a mortgage.
TOKENIZE YOUR MORTGAGE
FMSM (Fractional Mortgage Share Protocol) was developed by a community of advanced blockchain developers and financial revolutionaries, who are passionate about improving and redistributing the power held by large financial conglomerates. FMSPTM is a peer to peer protocol, that uses the Ethereum blockchain’s smart contract infrastructure, to allow individual users to convert their private mortgage loan into tradeable asset-backed Tokenized Mortgage Bonds (Fractional Mortgage Shares).
INVEST IN PRIVATE MORTGAGES
The Viva FMS Exchange is an internal Tokenized Mortgage Bond exchange, which will bring liquidity and assurance to the private mortgage investing for the first time. The Viva FMS Exchange eis designed to cater to and attract large institutional investors and private investors alike, bringing real-world assets and fixed-income investing into the realm of blockchain systems, cryptocurrencies, and digital assets. Investors will have the option to pay trading fees with MA Tokens. entitling them to a 75% discount on fees further increasing their investment returns.
HOW DOES VIVA WORK?
WHY TOKENIZE MORTGAGES?
For Homebuyers
- Lower mortgage rates
- Savings generated by circumventing local financial systems & fees are estimated to range between 20-40% of the total interest expense.
- Access to foreign capital
- For the first time, Viva introduces foreign capital to mortgage loans, leading to more options and better deals for homebuyers.
- Fast, easy & transparent
- By allowing a free market of lenders to decide if the mortgage is approved, borrowers can enjoy complete transparency in the loan approval process and completely avoid the old, cumbersome process.
- Hybrid, user friendly platform
- Viva mortgage loans are paid with fiat currency and wire transfers, just like a regular loan.
For Investors
- Profitability
- Introducing an entirely new asset class. Due to the efficient structure of FMS mortgage investment products, Investors can benefit from generating significantly higher yields relative to other, similar-risk profile investments (eg. Wall Street’s MBS).
- Safety & assurance
- In the scenario of a default, all mortgage loans produced by Viva are guaranteed by private mortgage insurance policies (PMI) so international investors have comfort & assurance on their investment.
- Liquidity
- Unlike other peer to peer financing systems, Fractional Mortgage Shares will be liquid and tradeable securities on the Viva Secondary Market FMS Exchange Platform. Solving the most important problem in the alternative financing arena.
- Complete transparency
- Unlike other mortgage investments, FMS products enable investors with complete transparency – allowing investors to see all details of their prospective mortgage investment, while protecting the privacy of the borrower.
THE PROBLEM
High interest rates for buyers, low interest rates for investors
Getting a mortgage is challenging and frustrating, and for many creditworthy individuals around the world – Ws often impossible. Furthermore, the profit model behind mortgage loans and Mortgage Backed Securities is one of the most lucrative business models in existence.
Despite this, banking corporations around the world consistently exploit consumers with price gouging, collusion and even interest rate manipulation. This much centralised authority is irresponsible, and we believe these profits belong to the consumers – the homebuyers and investors-instead of the middlemen the banks).
THE SOLUTION
Low interest rates for buyers, high interest rates for investors
Viva is a hybrid blockchain protocol that introduces a brand new option for consumers around the world to finance their homes – the free market.
Tearing down the decades-old barriers to entry in the securitization industry by introducing the world’s first Peer to Peer Mortgage Financing Platform & Tokenized Mortgage Exchange.
THE TEAM
Christian Fiddick
Chief Architect
Nick Thomson
Chief Executive Officer
Stan Stalnaker
Innovation Advisor
Loretta Joseph
Digital Asset Regulation Advisor
David Erichsen
Chief Technology Officer
Ben Erichsen
Chief Operating Officer
Gilbert Darrell
Implementation Advisor
Kyle Masters
Regulatory Advisor
Jeff Hooton
Full Stack Developer
William Lewis
Director of Investor Relations
Jesse Beohm
Insurance Advisor
Jeremy Swan
Financial Advisor
Linc Kupke
Assistant Architect
Katherine Masters
Director of Public Relations
James Anfossi
Risk Advisor
Josh Hebb
Technical Advisor
Tarek Waked
Director of Business Development
Alex Brown
Financial Advisor
Nikolai Paloni
Branding Expert
Kenneth Thomson
Real Estate Analyst
FOR MORE INFORMATION PLEASE CLICK LINK BELLOW:
Website: http://www.vivanetwork.org/
Whitepaper: http://www.vivanetwork.org/pdf/whitepaper.pdf
Twitter: https://twitter.com/TheVivaNetwork
Telegram: http://t.me/Wearethevivanetwork
Bitcointalk Profile Link: https://bitcointalk.org/index.php?action=profile;u=1350925
Tidak ada komentar:
Posting Komentar