Jul 21 2018
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.
- 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.
- 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.
- 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:
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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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/pdf/whitepaper.pdf
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.
- 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.
- 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
Jul 24 2018
Overcoming the Impending Financial Issue through Traxion
The world is now set in a rapid motion, where the flow of information is almost instantaneously in almost every place. You can see the growth of the business nearly every day, and thanks to the blockchain, we can see the rapid growth of the crypto-based platform every day across the globe. Many of the business is also have disrupted the primary form of the conventional market and overtaking the business mainstream, so the result is the massive growth of the decentralized kind of business which is far from any traditional business which tends to be more centralized. The business growth nowadays the global economic optimism that is very delightful to see and feel in some place of the earth. But unfortunately, the reality kicks in, and it kicks hard. The global economic growth, as well as the significant innovation only felt in a quarter of the world, which are centered in the USA and Western Europe, and some in Far East Asia. But as for the rest of it, the African, the south-east Asian, and the rest of the world still stagnates and experience little to no impact of such turbulence.
The main reason for this occurrence is the economic gap between the Asian and the western countries. The difference is so full to the point where almost all sorts of capital that circulates in the world are centered in just both regions. The Asian and the rest of the world still struggling very hard to stabilize their countries and enhancing the structural basis for further economic improvement. But the lag is too far, so we don’t know when the Asian and the African nations are going to catch up the western countries. This phenomenon cannot be left standing, as the world leaders and the experts are formulating the solution for the rest of the world concerning their problems. But several issues are tough to tackle down, and those are several reasons why they are lagging behind the western countries.
When we talk about crime like the one that hampers progress, we don’t mean that many western nations are immune to the fraud. But the fact is, the corruption in the Asian and African government are way higher than the west of states and making their government are unable to tackle the most basic issue, which is the poverty. The poverty that is faced with many Asian nations is mostly systematic poverty which is the human-made poverty that is caused by the inability of the government to react or simply put, the ignorance of their people condition. There are a lot of negative consequences when a country is infested with corruption, which is the economic recovery will be tough due to the crime that taking the government’s money, and the construction that will never end due to the polemic of the project that is infested with crime.
Many developing countries are also having some degree of the trust issues against the government and the banking system. They perceive the banking system is a coherent evil and thus is not to be trusted. This makes few people are employing the services of the banks and thus making the transaction way harder. The transaction that can be conducted via bank is the simple and fastest form of an operation using digital credits rather a physical one. This makes the business are far from the bank services and thus making the industry harder to be approached. The bank also will provide several degrees of security to store the money, since it will be way safer than saving your millions of money in the bedsheet, or under the pillow. The most logical place to store the huge amount of money is the bank, and therefore more people should enter the service coverage of the bank.
One says that the technology is the key to the prosperity, and that is entirely true. Many western countries have been so successful in developing their countries because the master the proper technology to do it. Here in Asia, the technology adoption is way behind the western countries and therefore they are still maintaining their nations with the traditional way which are proved to be inefficient and ineffective. The adoption of technology is mandatory to make people’s life, and as well as the government and business affairs were easier. The adoption of technology in Asian nations is gradually increasing but at a languid pace. The penetration of technology is also required to open up a new market and thus creating a new business, just like the crypto-based platform is already doing it for years.
This is one of the most crucial issues in the developing countries, that is the root of the lag in technological adoption in so many Asian and African countries. The qualities of the education in the south-east Asian nations are quite lacking, where the infrastructure of the educational system in staggering conditions. In Indonesia alone, thousands of students are left without a proper teacher, making them improperly educated. The lack of educational system will make the countries lagging in almost every sector, such as the technology, economy, and so forth. Many citizens of it state will be encouraged to become a worker, rather than a businessman, which is not a good sign of an economic recovery.
Those issues are ravaging the countries in Asian and African regions, and thus creating a considerable prosperity gap between the western states with the rest of the world. As long as those issues stand out, poverty will still become a significant issue for the rest of the world. A solution is a need, to ignite the small economic movement, and to elevate the situation of the poor. It also needs to be transparent and open so that all people can enjoy the benefit of them.
To know more about the financial situation in many countries, you may refer to those web pages below.
https://traxion.tech/
https://bitcointalk.org/index.php?topic=3043553.0
https://traxion.tech/documents/Traxion%20Whitepaper.pdf
Countering Financial Issues With Traxion
Fortunately, the situation is not as dire as we all imagine. More and more platform is growing to solve the financial issues by creating more business field that can be used to alleviate the poverty in some areas. The advancement of technology also allows many forms of business and job field to pop up and employing thousands of people monthly. The progress is tangible, and we can see it clearly in our own eyes, but that is still not tackling the five issues that we have already mentioned above. The financial problem that is faced with the world requires hand in hand cooperation between the government and the private sector to cope up, and thus ending the economic issue, and that is where the role of the Traxion platforms kicks in.
Traxion is a blockchain platform that is unique and different from the rest of the platform for several reasons. The platform, unlike with the other form of the platform is disrupting the whole financial situation. The current trend of the blockchain platform is just obstructing one particular business field such as the photography, the publisher and so forth. But that is not the solution that we seek since those solutions are too specific to be practical in the whole of the financial situation that is already broken and ravaged by corruption. The one thing that is disrupted by the traxion platform is the way of the transaction between the stakeholders, and this is very important since we can say that transaction is the vein of the business and economy, the easier it gets, the better of economic situation will be.
The platform will counter several issues, they are:
The traxion is not searching for market domination, but they want to bridge the economic activity between the stakeholders and thus making the economy much better and stable. Nowadays there are a lot of currencies that circulate in the world economy, and they are the cryptocurrency that is developed by the platform, and the fiat currencies that is the standard currencies just like dollars and euro. Those currencies need to be bridged so that they can be used in all forms of the transaction to make it easier for the customer to approach the market, no matter what currency they have. The solution also needs some broad coverage so that many merchants can apply this mechanism, and the platform becomes very practical for the people.
This platform also brings a daring quest which Is to provide the government some degree of transparency so that any the money that the government obtained be it the international aid, debt or whatsoever can be tracked and detected by the platform used. The transparency is one of the crucial issues as it is the reasons for the corruption that still lingers in the third world country. The slide will provide the deterrence effect to the corruptor so that they will not be corrupting the government’s money again. That is a very far step in destroying the corruption cycle in one country. The platform will display the current wealth of the government that is going to be distributed among the people, and thus the amount of the received money must be an exact number of the money that is displayed.
The development of small business is a good sign for the lower economy since they are the sign of the economic recoveries that is shown among the people. Those small businesses need to be ignited since they are the small business with small capital and in no capacity competing the big companies. The platform will provide the market and the means of the transaction for them so that the customer can access your goods safer, faster and better the market will also very wide since the platform will receive any money, be it the fiat currencies and the cryptocurrencies. In fact, the platform will encompass a massive amount of the small business so that they will be integrated into one ecosystem, which is the traxion ecosystem.
This is more like a long-term plan and goals. Once the process of the transaction has been speeding up, more and more people are growing their own business, the people gaining more money using the platform. Therefore the economic situation can be elevated, and more people will have their prosperity increased. This goal will become feasible after the usage of the platform has encompassed so many merchants and attract more users.
For more information concerning the platform, you can access the webpage below.
https://traxion.tech/
https://traxion.tech/documents/Traxion%20Whitepaper.pdf
The Token Sale And ICO
Just like any other crypto platform that has their token, so that this platform is. The platform has their token named by the traction token or TXN and now is currently on sale. There is three type of sales that is occurred in the platform, which are the private sale, the pre-sale, and the crowd sale. The private sale has the cap around 10 million tokens and contains the bonus up to 50% of the token sale. The private sale is already over, and now the platform is moving to the pre-sale.
The pre-sale has the cap around 40 million tokens and will have the bonus starting from 40% to 10%, which declines by about 10% each week. Currently, the token sale almost reaches the cap, and the companies are preparing to meet the crowd sale, in the early of August 2018. The crowd sale yields the most significant amount of token that will be sold, which are about 200 million tokens and have no bonus. The period of the deal will take place about six weeks, and will be automatically concluded once the cap has already reached.
The token usage will be to do some transaction inside the platform, and also crucial for the user to get the reward too. The user can also vest the token so that they can gain the better price for each of their token in the future. the token also can be exchanged in any fiat currencies such as dollars and euro in any places.
For the token usage and token sale, you may refer to the webpage below.
https://www.facebook.com/Traxion.tech/
http://t.me/TraxionICO
Posted by kurniawan05
https://bitcointalk.org/index.php?action=profile;u=1187741
By admin • Blockchain Technology 10 • Tags: education, good, information, market, money, photography, poverty, small business, technology, token sale