Cho vay bao dam tai san
Vay bang Bitcoin, vang, va bac cua ban ma khong can ban. Cac the chap tu tra su dung tiem nang tap trung tai san de giam dan ty le lai cua ban. Khong kiem tra tin dung, khong xac minh thu nhap.
Hien tai chi co san cho cu dan My
Cac the chap tu tra thong qua People's Reserve hien tai chi co san cho cu dan My. Tinh khong dung san co the mo rong trong tuong lai. Trang nay duoc cung cap cho muc dich giao duc va thong tin.
Cach hoat dong
Tai san 1:1
Gui 100% gia mua ban theo BTC, vang, hoac bac. Duoc giu trong mot SPV co quyen pho phap boi BitGo.
Khong rui ro thanh ly
Dai loc tai san thong qua chung chi so huu bat dong san va tai san tien ma hoa. Khong co cuoc goi margi.
Khong kiem tra tin dung
Khong xac minh thu nhap, ty le DTI, hoac PMI. Tien am thanh cua ban la diem tin dung cua ban.
Tu tra
Khi tai san tu cha tang gia, LTV hieu qua cua ban giam va ty le lai cua ban giam theo thoi gian.
Quy trinh the chap tu tra
Bitcoin, vang, va bac cua ban dang thuc hien cong viec nang.
Gui tai san bao hiem
Gui tai san 1:1 (100% LTV) bang BTC, vang, hoac bac. Duoc giu trong mot SPV co quyen pho phap boi mot quan ly tai san co dieu hanh.
Nhan tai chinh
Nhan tai chinh o ty le chi tieu thap nhat 3% APR tuy theo muc do trung thanh cua ban. Cac dieu khoan 30 nam khong co kiem tra tin dung hoac tai lieu thu nhap.
Ty le thay doi dieu chinh
Moi 30 ngay, khi gia tai san tang hoac giam, ty le lai cua ban dieu chinh. Muc tang toi da: 5%, muc giam toi da: 4% tu APR ban dau.
Giu tai san cua ban
Sau khoang thanh toan cuoi cung, rut toan bo tai san nguyen ban cua ban ve nhan giu co lap.
Ty le lai theo muc do trung thanh
Ty le thay doi dieu chinh theo gia tai san trong cac khoang thoi gian 30 ngay
| Muc do | APR ban dau | Thap (33% LTV) | Cao ($0) |
|---|---|---|---|
| Co ban | 10.00% | 6.00% | 15.00% |
| Bac | 9.00% | 5.00% | 14.00% |
| Vang | 8.00% | 4.00% | 13.00% |
| Kim cuong | 7.00% | 3.00% | 12.00% |
Giam ty le theo tai san bao hiem
Tieu mo bao hiem de mo khoa APR thap hon
| Ti le | LTV | Kim cuong | Co ban |
|---|---|---|---|
| 300% | 33% | 3.00% | 6.00% |
| 250% | 40% | 4.00% | 7.00% |
| 200% | 50% | 5.00% | 8.00% |
| 100% | 100% | 7.00% | 10.00% |
May tinh SRM
Mo phong cac khoan thanh toan cua ban voi BTC, Kinesis Gold (KAU), hoac Kinesis Silver (KAG) la tai san bao hiem.
SRM Calculator
Model your Self-Repaying Mortgage payments, collateral ratios, and savings by loyalty tier.
Estimated Closing Costs (5%): $25,000
Overcollateralize to unlock lower rates.
BTC @ $75,000
Assumed annual growth rate. This models how the "self-repaying" mechanism works as collateral appreciates.
Loan Summary
Monthly Payment
Projected Savings
vs 6.5% traditional 30yr fixed, 15% CAGR.
US Residents Only
Self-Repaying Mortgages through People's Reserve are currently available to US residents only.
Tai sao Kinesis KAU va KAG?
Kinesis Gold (KAU) va Kinesis Silver (KAG) nam o vi tri doc nhat cho cho vay bao dam tai san. Moi token duoc ho tro 1:1 boi kim loai vat ly phan bo, bao hiem, lam cho chung tro thanh tai san bao hiem sach. Va trong khi tai san bao hiem cua ban xuat hien de dam bao the chap cua ban, ban tiep tuc kiem duoc loi suat Kinesis tren cac chi tro cua ban.
Phan bo va Bao hiem
Vang / bac vat ly trong cac kho kiem toán
Kiem loi suat trong khi bao hiem
Loi suat Kinesis tiep tuc tren chi tro
Tien am thanh co dieu chinh
Khong kiem tra tin dung. Vang noi dien tro
San sang kham pha?
Tham quan People's Reserve de tim hieu them ve cac the chap tu tra va bat dau don xin cua ban.
Tham quan People's ReserveRWTS la mot nen tang nghien cuu doc lap. Chung toi khong phai la mot sroker the chap hoac nha cho vay. Day khong phai la loi khuyen tai chinh.