We use a reliable bill payment tracking system that uses tenants’ payment history to help them access a home loan, at a fair interest rate. We know that tenants who pay their rent in full and on time can afford home loan repayments of an amount similar to their monthly rent, and we help them qualify mainly on that basis. We also fully cater to landlords' needs by linking them to reliable tenants, and build landlords' financial profiles so that they can also access credit to grow their property portfolios.