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Published by simonfoo.fm, 2023-06-22 14:10:33

Homedopt

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Homedopt 2023

www . h o m e d o p t . m y

Real estate (House) owner(s) / Driver(s) Advantages Offered - Intend to make use of real estate(s) to by these Platforms create better cash flow - Hope to increase his/her active or passive income from real estate rental - Intend to create/ obtain more active or passive income by utilizing a vehicle - Freedom of working hours Company ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) Adopter(s) / Passanger(s) - Intend to find an additional source of income/ create side income - Increase his/her monthly earnings for long term - Safely arrive at their intended Very convenient, and yet simple - Problem solving - Strong technical abilities - Provide comprehensive services

1) Intend to earn a consistent yet legitimate passive income in the long term. 2) Make the most out of an owner’s idle properties/ assets (“idle lending" or "unused lending"). 3) Helping people while increasing your own income. ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) Real estate (House) owner(s) Adopter(s) 1) A real estate owner desperately needs cash in hand or liquid funds immediately, but was unable to sell off or rent out his/her property at a good/high price instantly. 2) Having additional yet legitimate cash flow without selling his/her real estate. 3) Facing a dilemma in obtaining a housing loan, or encountering foreclosure/ repossession What is House Adoption? 1) A transparent, fair, and credible platform that creates a win-win situation for everyone. 2) Under stringent governance, supervision, and arbitration of the entire operation process. 3) Provide professional and technically qualified services for real estate “adoption”.

1) 想长期赚取稳定又合法的被动收入 2) 拥有闲置借贷 3) 帮助人的同时又可以提升收入 1) ⼀个透明、公正、具有公信力的共享平台 2) 严格的审核与监督、仲裁整体作业流程 3) 提供专业房屋领养的技术与服务 1) 在急用流动资金，却不能马上脱售或高价出租。 2) 不卖房子的情况下，拥有额外的合法现金流。 3) 面临房贷困境或是遭遇拍卖什么是房屋领养？ Why you should opt for Real Estate Adoption? ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

Why HOMEDOPT? ✓ Since its kick-off in 2017, house adoption has indeed helped numerous homeowners who were facing foreclosures to keep their properties. ✓ Besides making an earning from adoption fees, adopters could strengthen their "creditworthiness" or "loan eligibility" profile with the banks, while also helping a family. ✓ The involvement of 17 different legitimate contracts and documents to protect the interests of both parties. ✓ To promote a healthier development in the field of real estate and secure the future of Malaysia’s economy. ✓ We possess a professional team of lawyers, financial advisors, and property consultants who are all responsible for arbitration and stringent supervision of the adoption process. ✓ We have solved the problem of “lodging” in the 4 fundamentals of the Chinese beliefs that include “garments”, “food”, “lodging” and “transport”. ✓ Distinctiveness and Advantages - There is no other comparable system or mechanism in the market that could truly help homeowners overcome foreclosures. ✓ Widely recognized and accepted under social perception. ✓ Having the advantages and prospects recognized by investors. ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

Why Homedopt？ ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) Stringent governance, supervision, and arbitration support Independent Supervisory Committee that is consisted of financial advisors, lawyers, and qualified real estate consultants.

1. Not having enough capital to invest in real estate. 2. Insufficient knowledge in real estate 3. Insufficient knowledge in real estate transactions. 4. Concern about the difficulty of selling off the property after purchasing. ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

Case Real Estate Investment – of 500k Real Estate Adoption – of 500k Down Payment min. 50,000 (10% Down Payment) 0 ( No Down Payment ) Mortgage Repayment 2,100 per month 0 Monthly Rental Collection Uncertain 720 (0.16% adoption fees) Additional Expenses Renovation, furniture, repair and maintenance, building maintenance fee, fire insurance, property tax. None Sell Off Not easy to sell off Sell it back to the original homeowner (repossession), towards the end of the 5-year contract. Case Real Estate Investment – of 500k Real Estate Adoption – of 500k Real Estate Investment vs Real Estate Adoption ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

200k (Property Owner) 40% 50% 250k (Lawyer) Stringent governance, supervision, and arbitration of the entire operation process 0.16% 720 (Adopter) ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

收入例子 An example of your possible income by adopting a property 450,000 x 0.16% = 720 / month 450,000 x 0.16% = 8,640 / 1 year 450,000 x 0.16% = 43,200 / 5 years Total Earning = 43,200 / 5 years Let’s take a 500k house as an example ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

Market pain pointProperty owner In fact, majority of real estate owners do not or did not want to sell their houses, but rather prefer to keep their homes. ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

Original real estate owner whose property is about to be auctioned off (lelong) • They are helpless, because there is nothing they can do but to allow the house to be auctioned off by the bank at a low price. • They might opt to sell the house at a significantly low price to unscrupulous syndicates. • Being black listed by the bank • Private lenders/ alternative lenders/ non-bank financial institutions would incur very high interest rates, not a worthwhile option for you to take in order to make repayments on your bank loans. • Unable to preserve their homes, losing a roof over their heads. ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) Market pain pointProperty owner

For mortgage-free house owners (fully paid off their loans): • Not able to generate additional income from their real estate. • Not able to rent out • Not able to increase the rent • Unable to sell off their real estate at an ideal price, due to certain market factors. • In desperate need of cash but was unable to sell off their property. ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) Market pain pointProperty owner

Case Financial institution Real Estate Adoption Asset valuable 500,000 500,000 Net proceeds (40%) 200,000 200,000 Processing fees 22,500 +- ( 5-10% ) 22,500 ( 5% ) Lawyer fees 25,000 +- 0 Monthly interest 4% - 8% 0% Contract duration 1-2 years Sell it back to the original homeowner (repossession), towards the end of the 5-year contract. Buy back • 200,000 22,500 (processing fees sums up to 5% of the total loan amount of the property) 25,000 (Lawyer fees) • 8,000 (minimum estimated monthly interest of 4%) • If calculated over a period of 24 months, you would need to pay 192,000 in interest! • 200,000 22,500 (5% of the total loan amount of the property as the processing fee) • 25,000 (5% of the property value as the lawyer fees) Financial institution vs Real Estate Adopter ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) Market pain pointProperty owner

The advantages of healthy cash flow/ readily accessible funds Educatio n funds Car Loan Saving Passive Income Business Cash flow ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

房屋领养的好处原屋主领养者 1) They are able to earn a stable and lawful passive income in the long run. 2) Without the need for capital, and no interference with their regular work hours. 3) Helping others while simultaneously increasing their income. 1) Possess extra cash flow (lawful) without having to sell off their properties. 2) Avoid the burden of various mortgage difficulties or even foreclosures. 3) Able to hold on to their existing homes and also a roof over their heads. 总结 ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) House owner(s) Adopter(s)

FAQ常规问题 1）If the original homeowner is unable to buy back the property after 5 years, what can be done? The deal will be executed according to the terms of the contract, while the Power of Attorney (POA) granted by the High Court will come into effect. First and foremost, the children of the real estate owner will attempt to buy back the property using a housing loan. If that is not possible, the relatives or friends nominated by the original homeowner will be considered. If all else fails, the company will proceed with the public sale of the real estate in accordance with the contract terms. 2) If an adopter is only halfway through the adoption process and he/she passes away due to an accident, what can be done? The deal will be executed according to the terms of the contract, while the Power of Attorney (POA) granted by the High Court will come into effect. After the completion of the contract period, the adopter is compelled to sell the property back to the original homeowner at the original property price agreed at the point of adoption. 3） How does HOMEDOPT ensure timely repayment of the mortgage and adoption fees? The lawyer will entrust the 5-year mortgage to HOMEDOPT Management company to manage, and it will be supervised by an independent supervisory committee, with a ready set of standing instructions being established. This ensures the timely payment of the mortgage and adoption fees. 4） Which individuals constitute the independent supervisory committee? The independent supervisory committee is a non-profit organization composed of reputable individuals from the society. Its members are professionals, including lawyers, auditors, accountants, and etc. ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) FAQ常规问题 5) Property adoption enables the original homeowners to hold on to their homes, while the adopters would, in turn, earn their share of adoption fees. Please explain how does HOMEDOPT achieve profitability? HOMEDOPT is a property adoption sharing platform that operates on a lightweight asset model. The company promotes the business ideology of property adoption to help homeowners who are facing foreclosures to preserve their homes, concurrently allowing adopters to earn some adoption fees. The operations of our platform are supported by the Call-off Fund, which reserves 0.5%-1% of the operational expenses to cover the costs associated with cancellation of the foreclosure auction process. 6）Property adoption operates on a 3-pronged win-win model, so who would be the ultimate loser? The original homeowners are able to safeguard their homes, adopters earn their adoption fees, and HOMEDOPT retains the operational funds from the Call-off Fund. The only ones affected are the syndicates that acquire properties that are auctioned at low prices, as well as financial institutions that incur high-interest. (It's similar to when Company G enters the market, and existing operations must adapt and improve.) 7） What does HOMEDOPT do to safeguard the interests of the adopters? First of all, each property eligible for property adoption must undergo a rigorous screening process. Only after ensuring there is sufficient buffer (market value minus redemption sum) can a property be brought into the real estate adoption program. Additionally, all properties are documented with lawful and proper citations, while every step of the process is subject to the review of the independent supervisory committee.

1. 买卖协议 ( Sale and Purchase Agreement ) 2. 相互协议 ( Deed of Mutual Agreement ) 3. 授权书 ( Power of Attorney ) 4. 租赁更替信 ( Letter of Novation of Tenancy ) 5. 回购要约函 ( Offer Letter to Buy Back ) 6. Homedopt还款承诺书 ( Letter of Undertaking to Pay Back the loan sum to Homedopt ) 7. 个人资料保护须知 ( Personal data protection notice ) 8. 同意书进行CTOSBuyer ( Letter of consent to conduct CTOSBuyer ) 9. 冻结 + 撤回冻结 ( Entry of Caveat + Withdrawal of Caveat ) ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) FAQ常规问题

ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) HOMEDOPT RESOURCES (KL-HQ) A-3-15, Plaza Bukit Jalil (Aurora Place), No.1, Persiaran Bukit Jalil 1, Bandar Bukit Jalil, 57000 Kuala Lumpur. Tel: 03-5033 3113 Website: www.homedopt.my

ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X) HOMEDOPT RESOURCES – PENANG Maritime Suite, No 29D-3-11 & 29D-3-12, Karpal Singh Drive, 11600 George Town, Pulau Pinang. Tel: 017-293 6328 Website: www.homedopt.my

Property adoption operates in a permissible and legitimate manner, to assist the original homeowners in preserving their homes as well as resolving their financial problems. ⓒ 2023 HOMEDOPT RESOURCES | All Rights Reserved Co. Reg. No.: 202203125823 (264199-X)

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