Mortgage financing system

G - Physics – 06 – Q

Patent

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G06Q 40/00 (2006.01)

Patent

CA 2489920

The present invention is a method for providing mortgage financing (fig. 1) to a borrower while additionally creating the opportunity for the borrower to invest in their long and short-term financial security (fig. 1) in real estate purchase price. The surplus amount is applied against at least one investment vehicle, so that after the periodic payments are completed, the borrower has equity in real estate and an interest in at least one investment vehicle (fig. 1), the investment vehicle provides security for the mortgage.

L'invention concerne un procédé permettant de fournir un crédit hypothécaire à un emprunteur tout en offrant à ce dernier la possibilité d'investir dans sa sécurité financière à long et à court terme. Lors de l'achat d'un bien immobilier, une hypothèque est accordée pour une valeur supérieure au prix d'achat du bien. Le montant excédentaire est imputé sur au moins un instrument de placement, de manière qu'après avoir terminé ses paiements périodiques, l'emprunteur dispose d'un capital immobilier et d'un intérêt sur au moins un instrument de placement. L'instrument de placement offre une garantie pour l'hypothèque.

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