Habibi Coin is a community solution to help its members participate in fractional real estate ownership without having high incomes, credit scores and co signers. The average person can never be a home owner or real estate investor due to strict pre requirements from lenders. A significant portion of the market is underserved. Habibi Coin aims to create equal opportunity for anyone to participate in real estate. We focus on government backed projects, developments with large scale reputable developers with extensive track records, housing societies, new towers and multiple other areas like commercial, flipping, fixing, leasing, pre sales, Airbnb’s and more. 75% of all funds raised go towards building a thriving real estate portfolio in a global market so it is diversified across great projects all around the world and less exposed to a domestic downturn in any one area. 25% of all funds raised goes towards tackling homeownership challenges like interest bearing debts and mortgages. The average life span of a mortgage is 25-30 years with initial payments being 80% interest and 20% principle. As you pay the debt down the ratio changes to 60% principle and 40% interest. On an average $200,000 dollar mortgage you end up paying 3 times the cost in interest alone over its life span. Habibi Coin works with home owners to assess their situation, mortgage product and circumstances. Once approved it then buys out the mortgage in full essentially becoming the lender. All interest is removed from the equation completely. The home owner ends up paying 80% of each monthly payment directly towards the principle debt. This helps home owners pay down the debt in less than half the time in addition to reducing worry stress fear uncertainty and doubt. Habibi Coin also protects the home owner from foreclosure. With Habibi Coins system if the owner defaults over a certain period of time the property is put up for sale and the owner is given a cheque for the equity they have built up in their property over years of making payments. This ensures their hard work is never lost, their asset is protected and it is owned in full in half the time. A true community solution for its members to create economic prosperity safety and security for them and their families.