Harbour Galaysia Group

TAWARAN PELABURAN – COLLECTORAL HOUSE TOKEN HMG-COIN

(Collateral House Investment Offer Paper – HMG-Coin Token)

1. Ringkasan Eksekutif / Executive Summary

BM:
Collateral House menawarkan pelaburan unik di mana pelabur boleh mencagarkan hartanah mereka sebagai aset asas, dan sebagai balasan, mereka akan menerima pegangan HMG-Coin Token sebagai jaminan digital yang terkunci (lock-in agreement). Pelabur akan menikmati pulangan tahunan antara 10% hingga 25% berdasarkan nilai aset yang dicagarkan.

EN:
Collateral House offers a unique investment where investors can pledge their property as the underlying asset, in return receiving a holding of HMG-Coin Token as a locked digital guarantee (lock-in agreement). Investors will enjoy annual returns between 10% to 25% based on the value of the pledged asset.

2. Mekanisme Pelaburan / Investment Mechanism

BM:

1. Pelabur mencagarkan hartanah mereka kepada Collateral House.

2. Nilai hartanah dinilai dan disahkan oleh pihak bebas.

3. Collateral House mengeluarkan HMG-Coin bersamaan nilai cagaran sebagai jaminan.

4. HMG-Coin ini dikunci (locked) sepanjang tempoh perjanjian.

5. Pelabur menerima keuntungan tahunan sehingga 25% mengikut perjanjian.

EN:

1. Investors pledge their property to Collateral House.

2. Property value is assessed and verified by an independent party.

3. Collateral House issues HMG-Coin equivalent to the pledged value as a guarantee.

4. These HMG-Coins are locked for the duration of the agreement.

5. Investors receive annual returns up to 25% as per agreement.

3. Keuntungan Tahunan / Annual Return

BM:

• Minimum: 10% setahun

• Maksimum: 25% setahun

• Dibayar dalam bentuk tunai atau aset digital mengikut pilihan pelabur.

EN:

• Minimum: 10% per year

• Maximum: 25% per year

• Paid in cash or digital assets based on investor preference.

4. Jaminan & Keselamatan / Guarantee & Security

BM:

• Pegangan HMG-Coin sebagai jaminan ke atas nilai cagaran.

• Perjanjian rasmi mengikat kedua-dua pihak.

• Token HMG-Coin dikunci dalam kontrak pintar sepanjang tempoh cagaran.

EN:

• Holding of HMG-Coin as a guarantee on the pledged value.

• Legally binding agreement between both parties.

• HMG-Coin tokens locked in a smart contract for the entire pledge period.

5. Contoh Kiraan / Example Calculation

BM:
Jika pelabur mencagarkan hartanah bernilai RM1,000,000:

• Pegangan HMG-Coin setara nilai RM1,000,000 diberikan sebagai jaminan.

• Pulangan 15% setahun = RM150,000.

• Tempoh 3 tahun → Pulangan keseluruhan RM450,000.

EN:
If an investor pledges a property worth RM1,000,000:

• Holding of HMG-Coin equivalent to RM1,000,000 is given as collateral.

• Return at 15% annually = RM150,000.

• Over 3 years → Total returns RM450,000.

6. Penutup / Conclusion

BM:
Collateral House & HMG-Coin menggabungkan kekuatan aset fizikal dan teknologi blockchain untuk memberikan peluang pelaburan yang selamat, telus, dan menguntungkan.

EN:
Collateral House & HMG-Coin combine the strength of physical assets and blockchain technology to deliver a secure, transparent, and profitable investment opportunity.