#boronea

[kidannyflores-blog]

Desfilando para #Boronea en el #BoatShop at #TheMallOfSanJuan . . . #TeamMrAguasBuenas #runway #TeamMrAB  #mraguasbuenasbeautyinternational #bellezaenaccion #luvel #mymbipr #kidanny #boricua #latino #pr #tropical #fit #guy #health #lifestyle #goals #blessed #model #dancer  #mrprbeautyinternational #fun (at The Mall of San Juan)

[edufinonline]

Proportunity, FinTech-ul romanesc din Londra care ii ajuta pe britanici sa isi ia "Prima Casa", a primit o investitie de 2 milioane de lire sterline Proportunity, un startup FinTech fondat de doi romani, Vadim Toader si Stefan Boronea, a primit o finantare de tip seed de 2 milioane de lire sterline. Am discutat cu reprezentantii Proportunity pentru a vedea cum functioneaza modelul lor de business.

[un-enfant-immature]

Proportunity raises £2M seed for its ‘help to buy’-style property lending

Proportunity, the startup that provides “help to buy”-style equity loans primarily for first time property buyers, has raised £2 million in additional funding.

Billed as a seed round, backing comes from Anthemis, the fintech investor, and Axel Springer Digital Ventures, the early stage venture arm of European digital publisher Axel Springer. The startup and Entrepreneur First alumni had previously raised £1.7 million in equity and a credit line of debt financing.

Previous investors include Global Founders Capital, Concrete VC (backed by Starwood Capital Group), Savills, EF, Trusted Insights, and Le Studio VC, along with angel investors Matt Robinson (Nested), Chris Mairs (EF) , Charlie Songhurst, Nicolas Berggruen, and Julian Critchlow.

Founded in 2016 by Vadim Toader and Stefan Boronea, Proportunity wants to help first time buyers purchase a home that is more suited to their needs than a mortgage alone might afford.

It does this by providing an equity loan of up to 15% of a property’s value to enable the home buyer to effectively put down a bigger deposit and therefore secure a more competitive mortgage. This, claims the startup, also enables the home buyer to potentially purchase a larger or better located property, and reduce the amount of interest charged by the mortgage lender in the long term.

The way it works, therefore, is quite similar to the U.K. government’s “Help To Buy” scheme, except it isn’t restricted to a new build and you have to pay monthly interest on the loan from the get-go. Like Help To Buy, when you sell the house or remortgage it in five years time, you have to repay the Proportunity equity loan at 15 percent of the current market price.

Therefore, if the price of the house has gone up, the amount you pay back will have also increased. In the event that the price has gone down, the startup loses money.

All of this is backed up by Proportunity’s machine learning-based forecasting technology, which claims to be able to identify good value properties in up-and-coming areas. The idea is that better use of data — from crime and school ratings to broadband speeds and pollution — can help reduce the risk of equity-based property loans both for the lender and borrower.

With regards to how many homes Proportunity has helped finance, the startup isn’t breaking out the exact numbers. However, co-founder Vadim Toader tells me it is “more than 20 and less than 100”.

He also says that 2 of the top 5 high-street lenders in the U.K. have lent alongside Proportunity on multiple homes, proving that the model can be made to work (a year ago it wasn’t clear how the market would respond to Proportunity’s equity loan offer). The company is currently working with 12 mortgage brokers in total.

“We’ve made partnerships with real estate agencies, and their mortgage broker arms, so they can refer the first time buyers that come to them directly,” says Toader.

Meanwhile, I asked Toader to run through what assumptions have proven true so far or haven’t panned out.

He says that the team thought it would prove to be a complicated proposition to explain to customers, but actually they tend to get it quickly due to awareness of the U.K. government’s Help to Buy scheme.

He also thought Proportunity could help speed up the home-buying process, but a few parts, such as conveyancing, can still take a few months.

And despite Proportunity’s data play, “people do get emotionally attached to properties. Data helps them detach a bit, but not that much”.

[endenogatai]

Proportunity raises £2M seed for its ‘help to buy’-style property lending

Proportunity, the startup that provides “help to buy”-style equity loans primarily for first time property buyers, has raised £2 million in additional funding.

Billed as a seed round, backing comes from Anthemis, the fintech investor, and Axel Springer Digital Ventures, the early stage venture arm of European digital publisher Axel Springer. The startup and Entrepreneur First alumni had previously raised £1.7 million in equity and a credit line of debt financing.

Previous investors include Global Founders Capital, Concrete VC (backed by Starwood Capital Group), Savills, EF, Trusted Insights, and Le Studio VC, along with angel investors Matt Robinson (Nested), Chris Mairs (EF) , Charlie Songhurst, Nicolas Berggruen, and Julian Critchlow.

Founded in 2016 by Vadim Toader and Stefan Boronea, Proportunity wants to help first time buyers purchase a home that is more suited to their needs than a mortgage alone might afford.

It does this by providing an equity loan of up to 15% of a property’s value to enable the home buyer to effectively put down a bigger deposit and therefore secure a more competitive mortgage. This, claims the startup, also enables the home buyer to potentially purchase a larger or better located property, and reduce the amount of interest charged by the mortgage lender in the long term.

The way it works, therefore, is quite similar to the U.K. government’s “Help To Buy” scheme, except it isn’t restricted to a new build and you have to pay monthly interest on the loan from the get-go. Like Help To Buy, when you sell the house or remortgage it in five years time, you have to repay the Proportunity equity loan at 15 percent of the current market price.

Therefore, if the price of the house has gone up, the amount you pay back will have also increased. In the event that the price has gone down, the startup loses money.

All of this is backed up by Proportunity’s machine learning-based forecasting technology, which claims to be able to identify good value properties in up-and-coming areas. The idea is that better use of data — from crime and school ratings to broadband speeds and pollution — can help reduce the risk of equity-based property loans both for the lender and borrower.

With regards to how many homes Proportunity has helped finance, the startup isn’t breaking out the exact numbers. However, co-founder Vadim Toader tells me it is “more than 20 and less than 100”.

He also says that 2 of the top 5 high-street lenders in the U.K. have lent alongside Proportunity on multiple homes, proving that the model can be made to work (a year ago it wasn’t clear how the market would respond to Proportunity’s equity loan offer). The company is currently working with 12 mortgage brokers in total.

“We’ve made partnerships with real estate agencies, and their mortgage broker arms, so they can refer the first time buyers that come to them directly,” says Toader.

Meanwhile, I asked Toader to run through what assumptions have proven true so far or haven’t panned out.

He says that the team thought it would prove to be a complicated proposition to explain to customers, but actually they tend to get it quickly due to awareness of the U.K. government’s Help to Buy scheme.

He also thought Proportunity could help speed up the home-buying process, but a few parts, such as conveyancing, can still take a few months.

And despite Proportunity’s data play, “people do get emotionally attached to properties. Data helps them detach a bit, but not that much”.

from RSSMix.com Mix ID 8204425 https://ift.tt/2VNVnLR via IFTTT

[refrescodetamarindopr]

“En el lenguaje de botes, ‘boroneo’ es el suave vaivén del barco en el mar mientras está detenido”, me dice Eliades, el dueño de la marca Boronea y la tienda que lleva su nombre en el Mall de San Juan. Esa sensación relajada es la que quiere llevar con sus diseños de ropa y calzado para caballeros. El entalle es más ceñido estilo europeo, y los colores y telas completamente apropiados para el clima caribeño. Nos sentamos un rato en la terraza y conversamos sobre los planes futuros. Hasta me mostró algo de lo que viene la próxima temporada. ¡Super cool! Esta semana llegaron las polos casuales, bien cómodas, en azúl, verde, rosado y amarillo... perfectas para regalar en Navidad. @boroneapr #refrescodetamarindo #rdtinternacional www.refrescodetamarindo.com Foto 📷 : ©2018 jllompart (at Boronea) https://www.instagram.com/p/BrVbjT7Bfcx/?utm_source=ig_tumblr_share&igshid=4ko6pw3887fb

[theinvinciblenoob]

Proportunity, a London-based startup and Entrepreneur First alumni, wants to help first time buyers get on the property ladder earlier or purchase a home more to their liking.

The company, which recently became an FCA authorised mortgage lender, claims to use machine learning to accurately forecast future house prices and the areas of London that will see the highest growth in the next few years. Based on confidence in this modelling, it will soon begin offering equity loans to boost your deposit when buying a first home.

Specifically, once Proportunity has used its technology to help identify a property for sale that both fits your needs and offers good house price growth prospects, the startup will offer an equity loan of up to 15 percent of the property’s price. You then combine this loan with the money you have already saved for a deposit so that you can apply for a mortgage with a lower loan-to-value ratio, which in turn will command a lower interest rate.

The way it works is quite similar to the U.K. government’s “Help To Buy” scheme, except it isn’t restricted to a new build and you have to pay monthly interest on the loan from the get-go. Like Help To Buy, when you sell the house or remortgage it in five years time, you have to repay the Proportunity equity loan at 15 percent of the current market price. Therefore, if the price of the house has gone up, the amount you pay back will have also increased. In the unlikelihood that the price has gone down, the startup loses money.

Overall, however, since a Proportunity loan is interest-only until you pay it back, the company says the combined monthly repayments are less than if you took out a 95 percent mortgage to buy the same home. And unlike shared ownership schemes, you don’t have to pay rent on the 15 percent of your home funded by a Proportunity loan.

More broadly Proportunity is attempting to solve a very London-centric problem: house prices are so high and continue to rise that by the time you save up for a 20 percent deposit to secure a mortgage you can afford, property prices in the area you want to buy will have increased enough to put it out of reach again. Or you’ll be left buying a smaller property.

“One of the biggest societal challenges we face is getting the next generation onto the housing ladder,” explains CEO Vadim Toader, who founded Proportunity with CTO Stefan Boronea. “The biggest reason this is hard is that it’s increasingly difficult to save up for a deposit, even for buyers with qualifying salaries. But what if we could use technology to give people a leg up onto the housing ladder? It all starts with forecasting”.

To put its machine-learning house price forecasting to the test, in July last year Proportunity worked with Post Office Money to help first time buyers identify the best areas to buy, not just in terms of affordability but also in terms of future growth. “This was insightful, as we learned that there are 200,000 fewer first time buyers per year than there used to be, and 70 percent cite deposits as their biggest issue. If we can help these people find deposits, we can reverse the tide”.

That, of course, is where the U.K. government’s own scheme is meant to kick in. However, Help To Buy can only support around 40,000 first time buyers, says Toader, partly because it has a limited budget and partly because it only addresses new properties.

“The interesting thing is that many of those left out have two great characteristics,” he says. “First they have a good income and excellent prospects, and secondly they want to buy in an area where we project property prices will grow significantly. The simple issue is they can not afford a 20 percent deposit. We believe our technology can help”.

To that end, Proportunity has secured £5 million in credit to begin making equity loans. The startup itself — which is part of EF cohort 7 — has raised £2.7 million in funding to bring its equity loans to market and further develop its price forecasting technology.

Backers include Global Founders Capital, Concrete VC (backed by Starwood Capital Group), Savills, EF, Trusted Insights, and Le Studio VC, along with angel investors Matt Robinson (Nested), Chris Mairs (EF) , Charlie Songhurst, Nicolas Berggruen, and Julian Critchlow.

Lastly, I’m told that half of the Proportunity team, including Toader himself, is taking out a Proportunity loan. “We’re going through the process ourselves, sitting in the customer’s shoes to better understand it and fix it before releasing it to them. [I] guess it also shows we’re eating our own dog food”.

via TechCrunch

[smartseo4you]

New Post has been published on Ziarul tau online

Academia Atlantykron, Insula viitorului

Vezi galeria foto

Ediţia 28 a Academiei Atlantykron se va desfăşura în perioada 28 iulie – 6 august, pe insula dunăreană Atlantykron, în dreptul castrului roman Capidava. Purtând genericul „Insula viitorului”, Atlantykron este singurul eveniment de acest gen din România cu o tradiţie de 28 de ani şi, potrivit multor invitaţi speciali din străinătate, un eveniment de profil unic în lume.

„Academia de Vară pentru Tineret, Ştiinţă, Cultură, Artă şi Sport „Atlantykron” este deja recunoscută ca un eveniment unic în lume, atât prin tematică şi cadrul natural în care are loc, cât şi prin constanţă. Ştiinţă, cultură, arte, proză, turism, antreprenoriat, sport, sunt câteva din activităţile pentru care pot opta participanţii tineri. Inedita Academie, organizată în natură şi departe de civilizaţia urbană, are ca scop accesul tinerilor la cunoaştere şi tehnologie de ultimă generaţie şi reuneşte experţi de talie mondială, dintre care unii au primit premiul Nobel și predau gratuit cursuri tinerilor interesaţi, pe o insulă care are mai puţin de un kilometru pătrat”, exlică Traian Bădulescu, specialistul în turism al cărui hobby este literatura SF, astfel încât a devenit promotor al evenimentului.

Printre invitaţii speciali ai acestei ediţii se numără scriitorul şi jurnalistul de ştiinţă Alexandru Mironov, care va coordona conferinţele zilnice „Lumea de mâine”, Prof. Dr. Teodor Vasile, psiholog, Prof. Dr. Leon Zăgrean, Lucian Boronea, vicepreşedinte al Asociaţiei Naţionale a Agenţiilor de Turism (ANAT), maestrul în artă culinară Petrişor Tănase şi Maria Sionionescu, profesor asociat la Institutul Spaţial şi de ştiinţe astronautice din cadrul Agenţiei de Explorare Aerospaţială a Japoniei (JAXA). Vor fi şi invitaţi virtuali: Dumitru Dorin Prunariu, astronaut, primul şi singurul român care a zburat vreodată în spațiul cosmic, cercetătoarea americană Erisa K Stilley, de la Jet Propulsion Laboratory, Dr. Ing. Florin Munteanu şi Ravi Prakash, inginer JPL NASA, responsabil cu misiunea Curiosity de pe Marte şi alţii. În plus, 30 de jurnalişti, bloggeri şi agenţi de turism, din România şi din străinătate, veniţi să descopere potenţialul turistic al regiunii Cernavoda, vor asista la deschiderea Academiei Atlantykron.

Se vor face demonstraţii ştiinţifice, cursuri de artă şi de comunicare, aşa cum în nicio şcoală nu se predau, participanţii stând pe iarbă, sub cerul liber, sub stele. Organizatorii actualei ediţii a Academiei Atlantykron sunt Centrul Pentru Studii Complexe şi Fundaţia World Genesis din SUA în colaborare cu Societatea CYGNUS din Suceava, cu Institutul Naţional de Cercetare pentru Sport, cu Institutul de Ştiinţe Spaţiale, cu Asociaţia pentru Inovaţie, cu HUP Center pentru Dezvoltarea Performanţei, cu SARS Romania (Search and Rescue Service) şi cu sprijinul revistei Ştiinţă şi Tehnică. Sunt aşteptaţi circa 500 de tineri participanți, lectori, invitaţi şi organizatori din toate zonele ţării.

Sursa articol jurnalul.ro

, sursa articol https://blogville.ro/academia-atlantykron-insula-viitorului/

[kidannyflores-blog]

Algunas fotos de ayer... modelando para #Salt y #Boronea en el #BoatShop at #TheMallOfSanJuan . . . #TeamMrAguasBuenas #runway #TeamMrAB  #mraguasbuenasbeautyinternational #bellezaenaccion #luvel #mymbipr #kidanny #boricua #latino #pr #tropical #fit #guy #health #lifestyle #goals #blessed #model #dancer  #mrprbeautyinternational #fun (at The Mall of San Juan)

[un-enfant-immature]

Proportunity offers ‘help to buy’ loans based on predicting future house prices

Proportunity, a London-based startup and Entrepreneur First alumni, wants to help first time buyers get on the property ladder earlier or purchase a home more to their liking.

The company, which recently became an FCA authorised mortgage lender, claims to use machine learning to accurately forecast future house prices and the areas of London that will see the highest growth in the next few years. Based on confidence in this modelling, it will soon begin offering equity loans to boost your deposit when buying a first home.

Specifically, once Proportunity has used its technology to help identify a property for sale that both fits your needs and offers good house price growth prospects, the startup will offer an equity loan of up to 15 percent of the property’s price. You then combine this loan with the money you have already saved for a deposit so that you can apply for a mortgage with a lower loan-to-value ratio, which in turn will command a lower interest rate.

The way it works is quite similar to the U.K. government’s “Help To Buy” scheme, except it isn’t restricted to a new build and you have to pay monthly interest on the loan from the get-go. Like Help To Buy, when you sell the house or remortgage it in five years time, you have to repay the Proportunity equity loan at 15 percent of the current market price. Therefore, if the price of the house has gone up, the amount you pay back will have also increased. In the unlikelihood that the price has gone down, the startup loses money.

Overall, however, since a Proportunity loan is interest-only until you pay it back, the company says the combined monthly repayments are less than if you took out a 95 percent mortgage to buy the same home. And unlike shared ownership schemes, you don’t have to pay rent on the 15 percent of your home funded by a Proportunity loan.

More broadly Proportunity is attempting to solve a very London-centric problem: house prices are so high and continue to rise that by the time you save up for a 20 percent deposit to secure a mortgage you can afford, property prices in the area you want to buy will have increased enough to put it out of reach again. Or you’ll be left buying a smaller property.

“One of the biggest societal challenges we face is getting the next generation onto the housing ladder,” explains CEO Vadim Toader, who founded Proportunity with CTO Stefan Boronea. “The biggest reason this is hard is that it’s increasingly difficult to save up for a deposit, even for buyers with qualifying salaries. But what if we could use technology to give people a leg up onto the housing ladder? It all starts with forecasting”.

To put its machine-learning house price forecasting to the test, in July last year Proportunity worked with Post Office Money to help first time buyers identify the best areas to buy, not just in terms of affordability but also in terms of future growth. “This was insightful, as we learned that there are 200,000 fewer first time buyers per year than there used to be, and 70 percent cite deposits as their biggest issue. If we can help these people find deposits, we can reverse the tide”.

That, of course, is where the U.K. government’s own scheme is meant to kick in. However, Help To Buy can only support around 40,000 first time buyers, says Toader, partly because it has a limited budget and partly because it only addresses new properties.

“The interesting thing is that many of those left out have two great characteristics,” he says. “First they have a good income and excellent prospects, and secondly they want to buy in an area where we project property prices will grow significantly. The simple issue is they can not afford a 20 percent deposit. We believe our technology can help”.

To that end, Proportunity has secured £5 million in credit to begin making equity loans. The startup itself — which is part of EF cohort 7 — has raised £2.7 million in funding to bring its equity loans to market and further develop its price forecasting technology.

Backers include Global Founders Capital, Concrete VC (backed by Starwood Capital Group), Savills, EF, Trusted Insights, and Le Studio VC, along with angel investors Matt Robinson (Nested), Chris Mairs (EF) , Charlie Songhurst, Nicolas Berggruen, and Julian Critchlow.

Lastly, I’m told that half of the Proportunity team, including Toader himself, is taking out a Proportunity loan. “We’re going through the process ourselves, sitting in the customer’s shoes to better understand it and fix it before releasing it to them. [I] guess it also shows we’re eating our own dog food”.