The Australian reported that Rismark International (which is half owned by Macquarie Bank) would begin marketing its "shared equity loan" through major lenders from July.The newspaper reported that ING Bank, Adelaide Bank and one other unnamed lender would initially distribute the loans.The style of shared equity loan developed by Rismark extends an interest free loan of up to 20 per cent of the value of the property, according to the report. In return, the borrower agrees that the lender may share up to 40 per cent of future capital gains over a loan term of up to 25 years. The borrower must cover 20 per cent of any depreciation on the value of the home. Rismark may be the second shared equity product in the market. Affiance is already marketing a loan (with different features) in the Sydney market.