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  1. MoneyProtects
  2. Innovative Solution
  3. Mortgage EMI Sleeping Period
DFSA REGULATED  ·  DIFC  ·  INNOVATIVE SOLUTION

Mortgage EMI Sleeping Period

You can relax and not worry about making EMI payments as we will pay your EMI on your behalf. 

      • Break from Mortgage EMI up to 5 years - Sleeping Period.
      • No need to loose your property possession, use or rent your property under your own ownership.
      • Zero Interest accrual during sleeping period.
      • Money Protects will settle your Outstanding Loan. Payback only outstanding settlement amount.
      • Avail Payment plan without interest accrual and flexible payment monthly, quarterly, semi annually or annually.

Take your financial freedom to next level with peace of mind.

No calls from banks on EMI miss-outs, recovery agents, nightmare of legal case, travel ban etc. We are with you in your financial problems in all times. 

Up to 15 Yrs EMI Relief
Zero Interest Accrual
100% Ownership Retained
AI OPTIMIZER

Stop Your EMIs.
See Your Exit Plan

No EMI. No Interest. No Cash Outflow.
Reduce your loan without paying anything.

AI Analysis Loan, property and cashflow review.
Zero EMI View See your possible EMI sleeping period.
Loan Reduction Estimate long-term liability reduction.
Rental Retention Keep property use or rental income.
✓ Up to 15 Years EMI Relief
✓ Zero Interest Accrual
✓ Early Exit After 2 Years (2% Fee)
✓ Ownership Retained
▶ Run My Mortgage Optimizer
KEY MECHANISM

Progressive Facility Reduction

At inception, MPCL settles your bank loan and captures the settlement discount as MPCL revenue. The released equity is deployed into capital-protected structured products that compound across six to seven rollover cycles over a 10-year horizon. Compounded investment returns are progressively applied toward reducing your outstanding facility — so at maturity, you retain the flexibility to repay only the residual outstanding amount, not the full original loan.

01
Settlement
MPCL settles your outstanding bank loan. The settlement discount negotiated with your bank is captured as MPCL revenue — reducing the effective principal from day one.
02
Deployment
Released equity is deployed into capital-protected structured products. Your underlying capital is never at risk — only returns vary within defined floors.
03
Compounding
Structured investments compound across six to seven rollover cycles over a 10-year horizon — each cycle adding to the pool of returns available for facility reduction.
04
25%
Residual Only
At maturity, you retain the flexibility to repay only the residual outstanding amount — not the full original loan. Maximum flexibility at exit.
100% 75% 50% 25% Y0 Y2 Y4 Y6 Y8 Y10 Loan Balance Compound Returns
Facility Reduction Trajectory — Illustrative Model
DFSA REGULATED · DIFC · CAPITAL PROTECTED

Your Mortgage.
Our Problem to Solve.

MPCL's Mortgage EMI Sleeping Period restructures your loan so your wealth compounds while your EMI sleeps — with zero interest accrual and full property ownership retained.

✦ Zero Interest ✦ Capital Protected ✦ Up to 15 Years
Run My Free Optimizer
Structured financial products involve market risk. Past performance does not guarantee future results. MPCL is regulated by the DFSA.

Tsets

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Mortgage EMI Sleeping Period

The mortgage EMI Sleeping Period offers mortgage borrowers a break from making mortgage EMI payments, It allows borrowers to utilize their EMI payments for other emergencies. Mortgage EMI Sleeping Period can be a huge relief to borrowers presently as the interest rates have been increasing. A mortgage EMI Sleeping Period can be a huge relief for both corporate and retail mortgage loan holders as it relaxes their financial burden.

Mechanism:
  • Loan backed by asset at LTV of 60-65% and less (means 40-45% paid). This means paid by the consumer 45% plus of the mortgage loan which is the consumer’s asset.
  • The remaining will be paid by Money Protects arrangements for a fixed period on a fixed Rental rate, For instance, 6% for periods of 11 rollover months.
  • The Money Protects arranged fund will be used to settle the loan. The prorated ownership will be allocated for the period and the previous single owner will pay the rental for the period agreed.
  • Both parties will benefit from this process, one will generate income and the other will have a locked period of not paying the principal.
  • On maturity, the first owner will have to pay back the investor. In case of any breach, or default after up to 5 years the property will be sold, and investor money will be paid off or effective any mutual agreement.
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Why our innovation is a success ?

 

  • Non-availablity of services for small & medium size clients in UAE. 

  • Offering restructuring services to loan holders with a commitment to reduce UAE’s NPL by AED 20 billion. 

  • We protect your assets from distress due to any unforeseen circumstances. We protect you throughout your collateralized loan tenure. 

  • We offer financial stability to all mortgage and medium size corporate loans and help individuals and corporates to achieve financial freedom. 

 

 

Financial Freedom achieved

This product enables all mortgage loan holders to achieve financial freedom throughout their loan tenure by reducing the impact of the increase in interest rates on their monthly EMIs which is explained in the process flow.