Habibi Coin is a community solution to help its members participate in fractional real estate ownership without having high incomes, credit scores or co-signers. The average person can never be a homeowner 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. Habibi Coin focuses on SMART real estate, government backed projects, developments with large scale reputable developers with extensive track records 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 lifespan 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 lifespan. Habibi Coin works with home owners to assess their situation, mortgage product and circumstances and then buys out the mortgage in full essentially becoming the lender. All interest is removed from the equation completely to meet the compliance of our faith. The home owner ends up paying 80% of each monthly payment directly towards the principle debt. Habibi Coin also protects the homeowner 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. Habibi Coin ensures the homeowners hard work is never lost, their asset is protected and it is owned outright in half the time. A true community solution for its members to create economic prosperity safety and security for them and their families.