Asset Backed Debt Structures
Need to take a nap for your Mortgage Installments or any loan which you can back with its value by assets ? No worries ! you can only pay the interest / profit and principal will be taken care by us for period up to 36 months or as per case.
Mortgage loan has highest number of cash flows duration and are always exposed to interest/profit rate risks. Money Protects will assist in getting retail swaps by signing contract with any bank/s for this service, either individual clients or group of clients at reduced premium.
Current banking and financial market is too friendly on their portfolios but fail to address the problems or give solutions to clients, rather process goes from default, cheque bounce, criminal and civil cases and retail and corporate recoveries, and this leads to great fear, absconding or landing in jail. Though lenders are on roller-coaster business and they provision their impairments but increases UAE’s NPLs on consumer side, though it needs to be addressed properly to give stability and growth in the country.
Lenders should be supportive to the growth of economy and not for making Short-Term profits. To bridge this gap our ecosystem starts herewith.
Restructuring of the payments and consolidating the debt by defining a new reimbursement schedule in accordance with the real payment possibilities of the debtor.
Potential decreased collateral with aggregating credit risk and PFE. We only assist in cases having 40-45% asset at least to back the credit line.
Assist in Debt-equity swap.
Assisting in Legal hurdles : Agreement and Cases.
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We assist in mitigation of Interest Rate risk, which is normally done through Interest / Profit Rate Swap by paying floating from banks and fixed rate for clients throughout the loan tenure.
We assist in complete Risk Profiling of Corporate/HNWIs as per clients requirements covering Market Risks, Credit Risks, Operational Risks, Cashflow Risks, Budgeting & Forecasting, Equity & Debt, Liquidity etc., through latest tools and regulatory compliance like RARORAC, PFE, VaR simulation models.