BetaStep 1 of 8 — Introduction
13% completeMortgage EMI Sleeping Period
AI-Structured Relief · No Cash Outflow · Asset Protected
Pause mortgage EMI pressure without selling the property. MPCL structures equity release, bank settlement discount, and institutional investment returns to create a controlled relief period — funded entirely from your own asset.
EMI Sleeping Period
Pause mortgage EMI pressure — no cash outflow during the structured relief window.
Asset Title Preserved
Full ownership retained throughout the sleeping period. No forced sale, no NPL escalation.
Investment-Led Recovery
Equity released is deployed into AAA/AA-grade structured notes to generate the returns that fund your relief.
24-Month Lock-In Minimum
5-year structured cycle extendable to 10 and 15 years. Exit after 24 months subject to fees and conditions.
How the Structure Works
- 1
MPCL releases equity from your property via an institutional equity release mechanism.
- 2
Outstanding mortgage is settled using a bank settlement discount (default 5%), reducing your loan balance.
- 3
Net investable capital is deployed into AAA/AA-grade bank-issued structured/fixed-income products.
- 4
Annual structured returns fund your EMI relief allocation — no cash required from you.
- 5
At the 5-year maturity point, MPCL and you review the stabilisation position and exit or extend.
Regulatory Disclosure: All projections are indicative. Final terms depend on bank approval, property valuation, customer eligibility, counterparty availability, liquidity, market conditions, and executed agreements. Capital protection refers to structured product design and issuer terms, not an unconditional MPCL guarantee. Conservative, Balanced, and Aggressive approaches carry different risk profiles. Customer must acknowledge risk grade at Optimizer and Application stages.