INTEREST FREE REAL ESTATE FINANCE
IQSM GSCi™ treasury reserves are fully-backed by fiat cash and empower, an unrivalled new sovereign reserve anchored value exchange system, with asset aligned local market profit share rights, that turn all PO-40 pre-funded - owner-occupied residential housing assets, into high-yield "productive" assets without interest or monthly principal repayment, service costs.
Unrivalled
Decroix Group powers the world's first truly democratised and equitably affordable - global housing finance system, powered not by government, but via simple - mortgage saving releases.
It generates unrivalled new, local social and economic impact benefits - on an unprecedented level for states, organisations and individuals - alike - through increased, local consumption spending, economic growth and enhanced taxation revenues.
Intelligent Finance by Design
Within each IQSM GSCI™ framework credit term compression refers to the process by which a long-term financial instrument (eg; a 40 year principal only mortgage or sovereign credit line) is mathematically decomposed, into a - single loan reset cycle.
Each finance reset line within the GSCI™ framework follows a programmatic, full finance-term-based future state capital path.
Programmable New - Investment Yield-Optimized Asset Class
IQSM GSCi™ uses potent new treasury reserve asset backed value creation finance and network profit sharing contracts - to replace traditional interest rate and equity sharing based profit margin business models, with programmable real asset yields.
Decroix Group powers - unrivalled - interest-free - pre-funded principal offset credited real estate finance, and refinance - in all licensed underlying markets, on a global service line scale.
IQSM GSCI™ local PO-40 principal only mortgage loans have radically reduced operational costs and a maximum initial loan exposure post settlement to all property and multi-line reserve secured collateral assets of 25.00% and 0.00% as new capital reserves are tranche-aligned - and capital-value-chain-applied.
Long Term Mortgage Conversion to Cash Backed Reserve Lines
In the next two years we will witness the largest wealth control transfer in human history as P&I and IO mortgages and rental service costs are converted into PO-40 mortgage line savings.
These savings secure an unrivalled new standard of living, for households with cash flow and property equity control shifting from bank & non-bank lender balance sheets, to local owners.
IQSM GSCI™ creates unrivalled - local - yield-asset valuation metrics, and dramatically increased net disposable household and/or investment income, via mortgage service cost releases across all - residential & commercial real estate asset classes.
Affordable - PO-40 Mortgage Finance Driven - Housing for All
IQSM GSCI™ powers an unrivalled new pre-funded mortgage finance product offering - that can reduce your local P&I or IO or rental housing costs - by up to 100% - with no out-of-pocket PO mortgage service repayments - required - after settlement.
Housing becomes more affordable as PO-40 loan qualification based on a maximum of 30% of gross household income, has a qualifying cost of $208 per $100K borrowed versus a P&I 30 year term 5.25% interest rate service cost - of $556 per $100K.
On this basis, a borrower can qualify to buy, a PO-40 financed home or investment property - that is up to 2.66 times more in local market purchase value, on the same assessable income.
IQSM GSCI™ pre-funded principal only mortgages - eliminate interest rate risk and costs and reduce credit default, duration, and servicing risk - with no direct payments required, between borrower and lender until a final discharge of the loan balance outstanding upon property on-sale or the end of the loan term.
Principal Repayment Only Qualified - Finance and Refinance
A pre-funded PO finance or refinance, as an alternative to P&I or IO loans or renting - increases client net disposable income in each & every month of the new PO mortgage loan by a sum equal to the P&I mortgage loan service cost savings - or rental savings - on an ongoing basis - for the full term of the PO loan.
All PO-40 loan accounts - have reserve account offset, redraw and credit line drawing rights, with ongoing term-reset options and are available in either - full-recourse or non-recourse form subject to local market regulatory & responsible lending terms.
PO-40 mortgages enable local borrowers - to draw-down 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 loans.
Unrivalled New Yield-Optimised Real Estate Valuation Metrics
The math-regulated unification of client-asset-ownership, with programmable real estate asset aligned yield to progressively optimise and power independent new valuation metrics, is the most compelling aspect of the global reserve mapping system.
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 or any Western or Shariah Compliant financial instrument that is dependent on, shared property equity, or leaseback finance.
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.
