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Solving Mortgaging Issue With VIVA

Solving Mortgaging Issue With VIVA

Housing or property industry is one of the leading sectors of the business in the world. It contributes around 31 trillion dollars per year and thus affecting the world’s economy and its components. The most vital housing industry elements are the capacity of the industry to sell the house to every component of the society. This is one of the biggest ironies since the main focus of the success rate is to increase the sale, whereas the capacity of the people to purchase the house is steadily declining due to the increase of the price of the market. Nowadays, even the smallest and cheapest houses are still expensive and still out of the reach of every middle-class man. The people are having several problems as follow.

  1. Mortgage procedure issue

The main critical issue of the buyer is the mortgage procedures that is very complicated and hindering more house to be sold and leave billion people homeless. The mortgage is the process of gaining the house via loans, and this is the only viable solution if you are the middle-class man and facing the Down Payment worth thousand dollars. You just cannot pay it directly in a single payment, and thus mortgaging is the only way that could effectively solve your financial issue in order to obtain the house that you want.

  1. Down Payment issue

The Down Payment or the DP is the second most important thing, and that can be said as the DP are the sole factors that hindering every potential buyer to purchase a new house. the DP usually comes with 30 or 20% prices of the whole house prices. That is actually still very expensive and simply out of reach by the single payment method. The most effective way to solve this issue is to have the loan. And this is where things get more and more complicated, which leads us to the next issue of the housing industries.

  1. Loan issue

Having or taking a loan is actually the ever practical solution for the middle-class man to obtain the house. the loan is usually provided by the banking institution or the third party such as the loan provider, person to person loan and so forth. But there is one impending problem concerning the loan, which is the extremely centralized nature of global banking. The global banking is a  series of a very complex and deep monetary system which will have disrupt everything in the chain if one sector is damaged. The gravity of such a disruption could be very catastrophic and leads to the failing of global economics. Such occurrence has occurred in 2008 where the mortgage and housing industries are failing and thus destroying the global economic recess that is very destructive in nature.

Based on several issues that have been mentioned above, then we need a very fast and precise solution where we can have a house with a very simple mortgage process, low DP and also decentralized.

For any further information concerning the housing industries background, you can visit one if the link below:

http://www.vivanetwork.org/

https://www.facebook.com/VivaNetworkOfficial/

Introducing The Viva Network: A Simple Solution

The rise of the digital age is bringing more and more fundamental changes in every aspect. The way we are doing business, communicate, and information sharing has been simplified to the point of the instantaneous form of communication across the globe via the internet. But it is not just the communication methods that have been revolutionized by the internet, but also the business forms has been impacted and now undergoing very fast fundamental changes within. One of the most influential impacts is the trend of decentralizing the business forms, and digitalization of the business sectors that happen all across the globe. The birth of the startup or the internet based business is on the rise, and thus VIVA emerges.

VIVA, to put it simply is a power to be reckoned with, in the term of the housing industries. It visions, just like any other contemporary business is to disrupt the existing business forms so that this new form of the business could become the new mainstream and thus replacing the obsolete kind of business that is now exist. The VIVA is the solution for those who are in need of the house but yet hindered by the complexity of its process and procedures. There are several reasons why we need to employ the VIVA services to obtain the house that we love.

  1. Decentralized system

As we have stated above, a centralized monetary system will be prone to every kind of damage such the financial instability, global economic collapse, and so forth. Therefore the platform is implementing the decentralized business system where this system is not connected fundamentally to the global business schematic making this business is stronger and more independent towards the global market system.

  1. Reducing the cost and time to undergo the mortgage and loan procedures

Obtaining loan and mortgage is very difficult these days, due to the nature of skepticism of the housing market. This is worsened by the complexity of the procedures that need to be undergone by the applicants, making the process is tedious and time-consuming. So far, there is no kind of any practical alternatives to having a huge amount of loan except in the bank or any intermediaries. VIVA is based on crowdfunding, which the crowd will happily provide the funds since the money that they send to a platform is comes in the form of investment that will benefit them.

  1. Providing the expert housing consultant

Why is it even matter? Why do we even need the housing consultant? here is the problem. For the beginner, the house is a very complicated matter to purchase since there is the myriad consideration that needs to be processed. This could lead to a wrong investment, in the form of purchasing a house that is out of your financial league, or any other issue. The expert team that exists in the team will help you to enlighten the financial situation that you are in, and thus helping you to pick a house that is affordable an viable for your financial capacity.

  1. Investing money

Investment is crucial these days since investment is the prospective long-term savings that could save your future. The crowdfunding in this platform system also comes in the term of the investment. This means that the crowdfunding is not just benefiting the applicants that are proposing the loan but also benefitting the crowd as well. This is actually a win-win solution where you can happily provide the fund that is needed for the applicant, and thus you are gaining the investment rate that will follow the market share. And as the member of the platform, you can also have the right to propose the application for the loan if you need it.

Learn More About Viva:

 

How the Platform Works

The platform’s website is giving you the comprehensive detail concerning the procedures that you are needed to complete before gaining the approval of the loan. Here is the quick glimpse of the procedures in the VIVA platform.

  1. Fulfill the documents requirement

The first basic requirement of the procedures of the platform is the documents. The basic documents that are needed for the process are the debt information and the income statement that is owned. You also will need the ID certificate and any other kind of document that is supporting the main document. Be advised that the document that only will be accepted as the valid and solid document is the real document that already passed the verification.

  1. The first approval

The first approval is the process after approving the document that has been sent by the applicants of the platform. This is not the whole approval, meaning that at this point, you can still fail to get the approval since there is the second approval or the final approval to conclude whether or not the applicants are able to gain the approval. The first approval is the sign that your document has been verified to be true and worth to continue on the process.

  1. Expert and house seller interviews

After you have already passed the first approval, there is the interview session in which you will be interviewed by the expert team of the platform concerning your financial capacity and the ability for you to pay the loan. After the interview with the expert, then you will be interviewed by the house seller. This session is aimed to share the information concerning the house minor and major problems, and also the miscellaneous treatment that needed to be done to the house such the reparation, improvement and etc. this is crucial since you need to know all kind of the information concerning the house.

  1. Second approval

After the interview session, the team and the platform will conclude the second approval, in which the applicant whether he passed the process or not. If the applicants have already passed the session, then they are positively gained the loan that is needed for them to purchase the house. After this session, the crowdfunding will then started and thus the applicant will start receiving money they need to pay the DP or the loan.

The crowdfunding will use the FMS or fractionalized mortgage share. The FMS is the way that the loan will be fractionalized and paid by the crowd. The FMS is actually the investment share that comes in the form of the fund that is distributed in the platform. The FMS is the quota that is needed to be fulfilled in order for the entire applicant to pay the loan of the house. The accumulated money will then be transferred to all the applicants and the crowd in the term of the investment rate so that the crowd will have the benefit of investing their money in the platform.

Learn More How Viva Works:

For any further information you can access the links below:

http://www.vivanetwork.org/

http://www.vivanetwork.org/pdf/whitepaper.pdf

Twitter.com/thevivanetwork


The Sales of Token

As just any kind of the blockchain system that has the token, the VIVA network also has the token called the VIVA token or called the token to be simple. The token is mostly used by the member of the platform to conduct any kind of transaction that is occurred within the system. There are several transactions such as the application process and so forth to that is using the token and no other currencies.  But unfortunately there are no existing vendors or the merchant that is receiving the token for now, but the platform does promises to inform the member of the platform if there is an advancement or the changes in the future.

And as for the sales, the token is primarily gained by two kinds of sales, they are the first stage that consist of three rounds, and the main sale that is also consist of three rounds as well. There is also the private and individual contribution that is also allowed and accepted in the system, but they are excluded in the TGE or the token generation event and thus not explained here. Here is the further explanation regarding the sale.

  1. First stage

The first stage is the best way of acquiring the big bonus, as the bonus is ranging from the 40% worth per token to the 30% bonus per token. The nominal of the token is around 50 thousand per ethereum and that nominal is decreasing as the bonus is declining per 10 days. Unfortunately, the early sale is about to elapse, which will be in the 1st July 2018.

  1. The main stage

The main stage is where the most token is being generated. There are estimated around 3 billion tokens is being distributed via main sale event. The main sale is also comprised of 3 rounds by the bonus started from the 25% to 0% bonus every 20 days. the main sale will be conducted for about 60 days.

For any further information related to the TGE, you can visit one of the links below:

https://t.me/wearethevivanetwork

https://bitcointalk.org/index.php?topic=3430485.0

Say No More To Injustice Towards Photographer

Say No More To Injustice Towards Photographer

The world of photography is often neglected and abandoned from the spot of the media. Many assume that the photography is just about the passion and hobby and therefore they are doing as they please. But that is far from the truth since many of the photographers are defending their lives and incomes to the world of photography and their business. Today, the primary source of the creator of the photographer is the third party seller platform which is the Getty images or the Shutterstock. We do familiar with the two companies, but little of them know the bitter truth is concerning the two companies, which we are going to explain below.

The companies employ a stringent and demanding policy that is hampering the progress of the photographer and thus stripping off the profit and the right of the photographer. Here we will sum up several concerns that now exist within the current ecosystem.

  1. Centralized
    Not every centralized thing are wrong, in fact, we do need a centralized standard such as currency and system so that it gives us certainty and several degrees of rigidity. What we do mean about centralized in this scenario is the photographer, in which here is the content creator is often left behind in the term of the profit generation process, making it a one-way process in which the company control the whole profit generation process and leaving the creator suffering.
  2. The pictures right
    One of the central issues of the photographer here is the right. The right in this scenario is the right or the licensed photos. In this case, the creator is just don’t have any reason once they already submit their pictures inside the system of the platform. Even if the creator is selling the photos outside the system, they need to report back the profit to the platform otherwise they will be getting the legal ramification which is annoying.
  3. Injustice sharing of profit
    These points actually correlate with the first point. This is actually the sad, grim truth about the world of photography where the creator is just gaining a trickle of the profit generated by the system, whereas the company receives more than 85% of the benefit. The professional photography is not merely randomly flashing your camera around and making a profit. It is actually a cumbersome task when sometimes the photographer needs to be in several difficult spots and often shoot thousands of pictures just to get one specific picture that suits the desired output.
  4. Pitch black system
    What we mean here is the lack of the transparency in the big companies. We do realize that not all the thing are needed to be published to the public, but some points do require openness. But that is just what de big companies lack, where they are reluctant and even not willing to share their data concerning the licensing process, the profit generation and so forth. This is what upset the professional photographer, and thus such a cycle needs to be disrupted.
    For more information, you can visit one of the links below:

https://www.wemark.com/

Disrupting The Current Ecosystem With Wemark

But luckily, as the technology progress, the world is becoming more and more decentralized, where there is merely a lot of disruption and groundbreaking invention that is very fundamental to the realm of business. The rise of startup businesses, especially the one who relies on the blockchain system are becoming predatory to the old ecosystem where they are destroying or at least giving alternatives to the old ecosystem that if proved to be injustice and inefficient. There are a lot of businesses that are currently reforming and thus providing a new business opportunity to make things even better. And such luck is also bestowed to the realm of photography, where a new startup is on the rise, called the remark platform.

Wemark is actually one of the most promising startups that will disrupt the whole old ecosystem that is hampering the creativity of the creator itself. As we can see, the creator is having a difficult time gaining profit, and this platform is actually the best platform to increase the benefit of the amateur and professional photographer alike. Here are several reasons why the wemark is worth trying.

  1. Gaining more advantage
    The first and the most obvious reasons are the profit. We already know that the big companies are giving only a trickle of the strength whereas they are generating more and more profit daily. That is actually very troublesome and need to be changed since it will heavily discourage the content creator. In the wemark platform, the situation is just reversed, where the companies are gaining a trickle of profit per photos and the rest of the money goes to the creator.
  2. Decentralized
    This is what more interesting on the platform, where the decision making is entirely back to the user. The creator can sell their pictures for the prices that have been set by themselves, and thus is more rewarding for the creator. We do want to ensure that the creator is keeping their creativity and accordingly being rewarded for such effort. And to do that we need to give the creator more right and more role to determine in this form of business. To put it just, on this platform, the part of the creator is significantly higher compared to the previous old ecosystem that is diminishing the part of the creator.
  3. Transparency assured
    One of the most critical factors In the business is giving the proportionate flow of information to the user or the customer. This is what makes them more appreciated and thus will convert them to a loyal customer In the meantime. Having a loyal customer is apparently one of the primary focus f the company, and one of the most critical points is having some degree of transparency. We do understand that not all kind of information is required to be published, but at least only the one which is critical such as the licensing and the profit generation process. Such information is essential to be released so that the customer or the creator understand for how much they need to pay, how much they need to spend money, and how much they will gain profit per photos.
  4. License distributed not centralized
    In the artistry world such photography, one of the most crucial point is the license of the pictures. The grant will determine the ownership of the photos and thus make it protected by the law and gaining the creator the rights of their own creation which is obvious. But unfortunately, such cases did not occur in the big companies since they retain most of the license for themselves. The platform will give the license to all the photographers regardless of their skills and their photos quality and thus make the creator more liberty and right about what to do with their own images. They also don’t need to report back to the platform once they are making the profit to the images that have been licensed by the platform.

Becoming the part of the wemark platform is effortless. First, you need to make your own portofolio on their website. This is important since the platform need to know about your capacity and your skills also experiences concerning the photography. After creating the portfolio you can start to upload the photos of your own and to get the license, you need to pay several amounts of cash at one time. The payment here are using the token of cryptocurrency, and therefore it Is not very expensive in the end. And you don’t have to worry since the licensing is a one-time process and therefore you don’t have to pay several times for your licensing process.
For further information concerning the system of the platform, you can access the link below.

https://www.wemark.com/whitepaper.pdf

The Road Map And The TGE Of Wemark

wemark roadmap.jpg

Every platform will have their own roadmap to determine their own degree of success. And this platform does have the roadmap. Here are several points of the roadmap of the platform.

  1. Middle and late 2017
    2017 is the important year for the platform, where they are signing the contract of the NFX companies that specializes in the market research. The NFX are investing their money in the platform for about 1million dollars. The platform is also opening the waiting list for the contributors or the photographer that are about to sell their own photograph on the platform. And as the website claim, more than 1500 professional photographer are signing the contract just in the few weeks.
  2. Early to middle 2018
    At this point, the platform is releasing the very first product, which it enables the user to create a profile and submit their own photos in the platform. There are about 20 thousand offered pictures just a month after the release of such content. This event is followed by gaining the advisors, which is several of notable individuals in the term of business, such lee torrents, as a lead marketing in canvas, Lars Perkins, founder of Picasa which has been purchased by Google and becomes the google photos and etc. the following month is the release of the whitepaper of the platform to become the guideline both for the platform and the user alike.
  3. Late 2018
    This is yet another critical period of time for the company. The company will sell their token called the wemark token to the public for the first time. Such token will be used primarily for the transaction that is occurred within the system, and hopefully, that includes the purchase of the pictures as well. And in late 2018, the platform will be transformed into a full working marketplace where many can purchase the photos that have been provided by the photographer for some period of time.

wemark token.png

And as for sale, here are some necessary information that you need to know
• The token supplies are about 135 million dollars
• Soft cap around 1.5 million
• Hard cap 8 million
• Price per token 0.20 US dollar per token
• Sale starts July 24th and ends at Aug 7th
• Token usage: licensing, accessing several wemark features

As we can see above, the token supply is meager compared to the other platform where they can reach billions. And the hard cap is also shallow, which is just about 8 million. Which mean that they only will sell that amount of the token, as the rest of the token is used for another purpose. And that is what makes the price per token is rather higher compared to the other token amount, and this will make the sale even more interesting since the token is worth investing for.

And the second most intriguing thing is, the allocation of the token supplies, here is the information concerning the token allocation.
• 38% token sale
• 37.5% reserved for community rewards and economic scaling
• 12% advisors&partnership
• 11% founding team and employees
• 1.5% bounty program

As we can see, the token allocation is rather unusual since the token and the community rewards are almost identical. No other platform is employing such allocation in the vicinity since they implement a huge proportion of the token supply to the sale alone. The board of advisors, the founding team and employees, are also gaining more token allocation.

What we can learn from this basic information here is, the company is dropping more token to the community to reward them for their contribution in building the companies, along with the founder team and the system. That is working along with the dream of the platform to give more reward and profit for the content creator and thus destroying the old ecosystem in which the creator is suffering since they just don’t get enough profit to continue on their project.
For further information, you can access the links below:
https://tge.wemark.com/
https://bitcointalk.org/index.php?topic=3347524

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