Bank Leveraged, Danish Real Estate Program
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This
program is limited to a select group of investors, who are seeking a safe
and exceptional appreciation of capital, liquidity, privacy and asset
protection. If so desired, if a bank account is invested in Danish
currency it also acts an offset against U.S. dollar deflation.
The
purpose of HMI’s Bank Leveraged Mortgage Program is to provide safe,
conservative, liquid and low-risk investment opportunities to Accredited+
Investors. The investment is made directly into a major bank in Denmark,
in the form of an interest bearing savings account. Each account is
insured, much like the FDIC. HMI’s compensation is primarily through
profit participation with its investors.
Min. Bank
Deposit
Required, (Interest Bearing) |
Bank Loan
Leveraged
at 7:1 |
Projected 1st
year ROI |
| $250,000 |
$1,750,000 |
21.46% |
I.
The History
Danish leveraged mortgage programs have shown superior returns for over 20
years, and to the best of our knowledge, with no losses. One of the
primary reasons that this program is so attractive is that your investment
capital is leveraged by the Danish bank, currently in a range of 5:1
to10:1. For many investors, the opportunity to grow their capital, while
keeping it safe from U.S. litigation, is very attractive. Danish banks
will not honor a U.S. court order to freeze or withdraw funds; the banks
are subject to Danish courts only. The Danish Leverage Mortgage Program
can provide you, safe appreciation of capital, liquidity and asset
protection.
II.
Investment ROI
The return on investment is calculated based on earnings being reinvested.
(please see Financial Projections below). The Investor can withdraw the
earnings at any time without any penalties. Past performance is not a
guarantee of future performance. Actual returns may vary.
III.
The HMI Bank Leveraged Mortgage Program
A minimum of $250,000 is deposited into a savings account in your name at
a leading Danish bank (“BANK”). The investor has complete control of
the account and can make withdrawals of earnings at any time; investors
can even make complete withdrawal of the principal. Through an Agreement
with HMI, the BANK provides a line of credit to investors at 5-10 times
the amount of the deposit, (i.e. 7 times a deposit of $250,000) or a total
of $1,750,000 at approximately 3¼ %. HMI then locates the 2nd mortgages
or bonds, which bear interest at 6-7%, and brings them to the BANK, who in
turn requests your written approval for each mortgage, prior to purchase
of the mortgages. It is this safe leverage that creates the high return
at nominal risk.
HMI
does not control or have access to your bank accounts, except for
information purposes only. HMI is compensated through profit participation
with its investors. HMI bills the investor directly, a quarterly fee of
15% of quarterly net earnings (gross earnings minus account expenses), if
there were no earnings HMI would not earn any fees.
HMI’s
mortgage group in Denmark locates, inspects and researches potential 2nd
mortgages or mortgage bonds on your behalf. The bank then conducts
independent due diligence on these mortgages since this represent their
collateral (including your investment). There are no additional personal
guarantees or additional collateral required by the bank.
Second
mortgages in Denmark earn approximately 6-7% per annum. The national
foreclosure rates are well below 1 %. There are a number of factors which
may contribute to this including the fact that Danish Law does not allow
for discharge of money owed through bankruptcy. Another factor is that
while bankruptcy may be viewed as acceptable in some cultures, it is not
acceptable in Denmark. Danish mentality and moral codes make it
devastating not to pay all bills when they are due. Additionally, should a
person lose their job, Danish unemployment compensation is very generous
and allows most families to stay current on their financial obligations.
The
Danish code of ethics is far more stringent than in other countries,
especially in the banking industry. In order to avoid conflict, employees
of a Danish bank are prohibited by law from making any purchases of real
estate, other than their principal home.
The
advantages of the HMI Leverage Mortgage Program are:
q
Low
Risk
q
High
Potential Earnings Rate
q
Liquidity
q
Investor
Control of Capital
q
Privacy
& Asset Protection
q
US
Currency decline protection with Danish Kroner
currency
q
Bank
loans collateralized by deposits and 2nd TD only
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For
additional information, please contact us at 425-329-9905.
For
$50,000 investments through an affiliated fund, please request more info.
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