| 摘要 |
A system and a method of financing the purchase of real estate property based on shares, owned by two or more parties proportional to their contribution. The Sale Price "SP" of a property is converted into a specific number of shares "N", divided between both Lender "LS" and Borrower "BS" proportional to their contribution. The Borrower can increase his shares and thus his equity in the property by purchasing Lender's shares from the Lender's shares over the loan term subject to annual profit rate through regular, periodic payments and/or through additional payments/investments. The Lender loan amount "L" is converted into a definite number of shares "LS" as well and amortized based on shares over the loan term. A regular Payment "Rb" equals the value of one share "SV" which determines the value of one share. The borrower makes regular payment "Rb" consisting of two portions. One portion goes towards "R" the lender profit on his capital, and the other portion "b" goes towards the borrower to purchase shares "n" from the lender and decrease the lender's shares.
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