Dafür eignet sich diese P2P Platform Mintos bestens! Obendrein ändert Mintos dann auch noch seine AGBs, aber sowas von zugunsten des Unternehmens und. Das Mintos Handbuch: Erfolgreich in P2P-Kredite investieren: Ein Leitfaden für Privatanleger eBook: Wörner, Sebastian, Franzen, Sventja: michel-toussaint.com Fragen zum Investieren in P2P-Kredite? Mehr als Anleger diskutieren zum Thema. Erfahrungen, Anbieter, Probleme, Tipps. Komm vorbei!
Was du über Mintos wissen solltest: Mintos ErfahrungenFragen zum Investieren in P2P-Kredite? Mehr als Anleger diskutieren zum Thema. Erfahrungen, Anbieter, Probleme, Tipps. Komm vorbei! Das die Plattform nach wie vor einen Großteil des P2P Marktes beherrscht und der Erfolg dafür spricht, dass man bei Mintos einiges richtig. Mintos macht Investitionen in P2P-Kredite leicht. Investieren Sie in Ihre finanzielle Zukunft und verdienen Sie mit unseren attraktiven Zinssätzen ein passives.
P2p Mintos Comment navigation VideoMy Mintos Auto Invest Strategy (How To Choose P2P Loans On Mintos)
And there has been no new information or reports released by them or Mintos. However we have downgraded their score due to the likely macro impact in Kazakhstan of dramatically lower oil prices, as well as reported currency controls, and currency depreciation.
This makes us very cautious about all LO's from Kazakhstan currently. Score down from 81 to A big score upgrade for ID Finance Spain for 2 reasons.
Score up from 39 to This was driven by currency exchange losses versus the Euro. This is why we monitor currency movements in our country risk ratings, as most Mintos lenders seem to under-hedge their FX risks.
Overall not a terrible result given the circumstances. Score down from 79 to Both of these LO's are very small, focused on Poland, and have never really made any meaningful profits.
Both look to be at high risk following the changes to the legislation in Poland. Dziesiatka is part of a larger lending group, but it does not have any group guarantees and we would not rely on them stepping in.
We cut the scores of all Polish lenders following the introduction of new laws in Poland that limits how much lenders can charge.
We think Everest is going to be hit harder than most because its model is based on visiting their borrowers in their homes. Even though the business has very strong capital levels and has been very profitable in the past, the next 12 months looks very challenging.
Score down from 69 to EstateGuru is an excellent site that offers loans secured on real estate. Currently mainly focused on the Baltic region of Europe but with plans to expand into other countries.
Viventor is a similar site to Mintos, just smaller. Some secured loans are available. We also provide Viventor lender ratings.
Bulkestate is a small but growing site focused on loans secured on real estate. It offers loans secured by real estate. October is focused on lending to small businesses in France, Spain and Italy.
Rates are often a little lower than the other sites we list here, but some investors will like October due to the countries it operates in. All information published on ExploreP2P is subject to important disclaimers contained on our legal page here.
No liability is accepted for the accuracy or otherwise of any information, scores or views published, and any direct or indirect losses are expressly disclaimed.
Just got some questions after some research. But personally found this to be quite off the tracks. Not even comparing with Mogo detailed FS. Is it something to be related to the fact that you ask additional information of every LO personally?
Otherwise, from publicly available FS, seems rather strange. Track record is even lower compared to Mogo — 12 vs 10, how has this been measured?
ESTO is very new LO being from and just in has reached its profit, while Mogo is from with steady profits throughout the years and experience in the field.
Good questions. Agrocredit only provides information once a year, which is why it does not have a good disclosure score.
Your work has saved and made me money. Is there a way to say thank you besides just writing it? Thanks MK. Thank you Oscar for your great work. I think downgrading Mogo is both courageous and very fair.
If like me one has Lendermarket and Moncera accounts, and one does not want Turkish, African or Bielorussian risk there are perhaps 3 or 4 acceptable LOs left in Mintos.
Where is Mintos going to find quality growth? Thank you. If you were to invest in only better countries and LOs but wanting of course to have also enough diversity, would e.
Hi Mike. But now is as good a time as ever to allocate funds across different sites, particularly ones that have real estate collateral like Estateguru, Bulkestate, Crowdestate.
Tax items on balance sheet are insignificant. Even looking at their audited accounts in Bulgarian, I see no funny business from taxes? We have amended the score and noted the error in the comments.
Thanks for flagging this. Creditstar is such s strange beast — Lendermarket had almost everything on time. I managed to exit a month and a half.
On Mintos it is now more than 6 months since I disabled all strategies with next to no profit and everything with delays and postpones.
P2p is a No for me in the current climate. In August rating changes you reported that Creditstar has published its results for 1H Where these can be found?
You have Creditstar at a relatively high rating. Do you take into account that the short-term loans in Spain and Poland behave very differently than the personal loans elsewhere?
Spain and Poland rank 5 in the new Mintos Risk Score, and all of their loans are late. Moreover, no new loans are available on the primary market on Mintos.
Yes Spain and Poland are higher risk countries at the moment, but overall results so far have been fairly good so far this year.
Looking forward to seeing the Q3 update. Here is Hipocredit audited financial reports from did by BDO, if you can update the Key financial information.
Hi Adam. I think we have already uploaded that data. Perhaps try clearing your cache and see if the latest numbers appear? Let us know. Hi Adam — understood, we thought you were referring to the figures not the audit flag.
Thanks, we have updated it. I have noticed that they have a new presentation on their LO page but no Q3 financials as yet.
They dont seem to have a large proportion of late payments or any pending payments, which indicates that they are making their repayments on a timely basis.
Does this mean that the FX is not a huge problem for them at the moment? Good question Thomas. The ownership of hard assets like vehicles is probably a very good hedge of their euro funding exposure.
It seems that Mintos finally uploaded the Wowwo audited accounts not sure why they werent available previously!? I know you werent happy with the audited accounts but the Wowwo Q3 financials look very healthy regardless of the pandemic and the change in exchange rates.
Looks like they are able to absorb quite large increases in exchange rates, which is a good sign for the future. Hi Thomas. Where do you see Q3 financials?
We can only see Q2. But yes, agree that reported performance so far this year is good, even with the Lira depreciation.
Does anyone have contact information at Dozarplati? Agree, they are doing great, and seem well managed. The main risk is that they are operating in places like Moldova and Albania which are emerging markets.
The persons in the group were wondering if this could affect Delfin Group, and if they should remove them from their anti-invest. We have received back a comment from the Delfin CFO.
Apparently the law being discussed would require borrowers to prove to officials that they have no income and no assets. Does not sound that different to the insolvency procedures in many European countries.
Worth monitoring but it seems that most borrowers in this position would have defaulted on their loans anyway, perhaps the recoveries on defaulted loans may fall slightly in some cases….
Pingback: P2P-Anlage. Your email address will not be published. Notify me of follow-up comments by email. Notify me of new posts by email. Andrej 1 hodnotenie 1 septembra, Na mintose som zacal investovat pred cca 3 rokmi.
Z maleho fintech startupu, kde som trosku aj cakal ze pridem o peniaze sa vytvorila obrovska platforma na investovanie s desiatkami tisic poziciek na primarnom a sekundarnom markete.
Tak trosku gambling, pretoze sice riziko minimalizujete, ale ked skrachuje Loan Originator, tak mate smolu. Treba samozrejme diverzifikovat riziko.
Loans issued by originators with indirect investment structure leaves you a claim against the bankrupted loan originator, that then have a claim against the borrower.
Assets as Collateral. Platform Features. Auto Invest. Automatic investing available. Secondary Market.
Secondary market available. Manual Investing. Mintos Auto Invest Strategy. There are three ways to exit an investment at Mintos: Sell the loans on the secondary market at a premium or discount.
Wait until the loan is paid back. Wait until the Buyback Guarantee is executed. Mintos Invest and Access. Comparison of Ways to Invest on Mintos.
Auto Invest VS. Nice to Know for Investors. Registration Process. Depositing funds to your investor account is done in three steps: Transferring money into your Mintos account with any of the below listed Funding Methods.
Your funds will be available for investment within the day of confirmed arrival to Peerberry usually banking days.
After the funds are received and added to the account, you will receive an e-mail confirmation. Funding Methods.
Bank Transfer. Currency Fair. Mintos Tax. When you for the first time start the depositing process, you will be asked to verify your identity with a national identity card EU only or passport.
When you have finished doing so, you will be able to select your desired method of depositing funds to Mintos. Before you can withdraw any money from Mintos, you must make sure that none of the money you want to withdraw is currently invested.
If you have some money you want to withdraw invested in P2P loans, you must first sell them on Mintos secondary marketplace.
You should be able to sell any loans within a short amount of time due to the high number of active investors on the secondary market.
When you no longer have your money invested on Mintos, you can easily withdraw it. You can only transfer money to accounts that are connected to your Mintos account.
All accounts which you have previously used to transfer money to Mintos are ready for you to withdraw to.
This will connect that account to your Mintos account. Withdrawing money from Mintos usually takes days. However, your bank or money service provider might charge a fee.
Whether Mintos is safe to use depends primarily on 4 things: How safe the platform is, how safe the investments are, how safe the Mintos loan originators are, and how safe the company is.
In the following we will take a look at what measures have been taken to protect you as an investor:. As the first security-related thing in this Mintos review, we have taken a good hard look at how secure your account really is.
Here we found that you can use the Google Authenticator app or other apps that are compatible with Google Authenticator. Two-factor authentication can help to protect your account against unauthorised access to your account, phishing attacks, and many other cybercrimes.
When you have activated two-factor authentication, people who could have your password must also have access to your phone in order to log in.
The two-factor authentication security of your account is not mandatory. We highly recommend activating two-factor authentication on your account for maximum security.
If you activate two-factor authentication on your account, we believe that your account is fairly safe.
To activate two-factor authentication on your Mintos account, you should just go to your accounts security settings. Here you can choose to enable two-factor authentication.
In this Mintos marketplace review, we also want to address what measures the company has made, in order to protect you as an investor, in regards to the alternative investments you can make on the platform.
Loan originators carry a potential risk for investors if their company lacks in management, finance, etc. Therefore the Mintos risk management team always performs a complete risk assessment of any loan originator wanting to join their platform.
In their due diligence process of the loan originators, they perform a thorough analysis of the management quality, credit scoring, underwriting policies, financial statements, etc.
Even if the loan originator gets accepted by Mintos, the loan originator will continuously be evaluated. Here Eurocent actually ended up in bankruptcy.
It is therefore important for us to address the importance of diversifying between several loan originators. Another thing that Mintos practice to protect its investors is to require every loan originator to have skin in the game.
So in case of loans default, the loan originator also stands to lose money. In this way, it is ensured that there is no conflict of interest between the loan originators and investors.
So generally, you would want to look for loan originators with as high skin in the game as possible. Most lending companies on other competing platforms are required to keep a similar amount of skin in the game as on Mintos.
This indicates that Mintos loan originators use a bit more leverage and have less aligned incentives with investors than that one platform.
But compared to the rest of the competition, Mintos is still one of the platforms where you will find the most amount of skin in the game for the lending companies.
It is quite unlikely that all the loan originators will continue to do business without problems. Therefore, it is important that you diversify between them.
But Mintos has in recent years added new loan originators at a fast pace. So there should be plenty to choose from.
A few years back, Mintos had some problems with a loan originator called Eurocent. The company first encountered problems after just 4 months on the Mintos platform.
Since then, Eurocent actually ended up in bankruptcy. But in spite of the bankruptcy over half of the invested principal has been recovered for the investors.
The case with Eurocent very well portrays the importance of investing in loans from more than just a provider. It also shows very well that even though there are buyback guarantees on the loans, the guarantee is only as good as the company behind.
But in the case of Eurocent, over half of the invested principal was recovered. Mintos is transparent with its financial situation and is posting annual reports of the company behind the platform, AS Mintos Marketplace, on its website.
But in the years after , got back to being an unprofitable platform. This is probably mainly due to growth ambitions by the company.
Nevertheless, as a part of assessing how safe Mintos is, we have also taken a look at what happens in the worst-case scenario of Mintos folding:.
If Mintos goes out of business, investors on the platform will get full insight into which transactions have been made on the P2P lending marketplace.
As a measure, transaction data is sent to the law firm FORT every month. Upon an unlikely bankruptcy from Mintos, this data will then be used to ensure that the loans are being managed properly by a liquidator or administrator.
Although Mintos has made many efforts to secure its investors, it is also important that you do something yourself. The following points are quite essential to avoid a single point of failure and to protect yourself as an investor:.
Furthermore, you can secure yourself making fractional investments in several loans from different geographical locations, currencies, loan types, from many different loan originators.
It might sound like a big mouthful to do all that, but the Mintos auto-invest function makes this really easy.
Bonus tip: We tried to switch from one currency to another on the platform. It costed a semi-expensive exchange fee.
It can, therefore, be a good idea to transfer money to the investment platform in the currency that you intend to invest with. One of the better things about Mintos is definitely its autoinvestment feature.
Der Grund hierfür ist ganz simpel: Je mehr Kredite angeboten werden, desto einfacher ist es, die gesamte Anlagesumme zu diversifizieren, also zu streuen.
Sollte es mit einem Kredit Probleme geben, etwa weil ein Zahlungsausfall droht, fangen die anderen Kredite einen möglichen Ausfall mit ihrer Rendite wieder auf.
Je niedriger der Mindestanlagebetrag, desto mehr Möglichkeiten hat man, sein Risiko zu streuen. Auch dieser Punkt wirkt sich also positiv auf deine Diversifikation aus.
Während du bei den drei deutschen Anbietern deine Investition von zum Beispiel 1. Möchte man zunächst erfahren, ob einem das Investieren in P2P Lending überhaupt liegt, profitiert man natürlich von einem möglichst einfachen Registrierungsprozess, um direkt loslegen zu können.
Sollte ein Kreditnehmer über einen gewissen Zeitraum seine Kreditraten nicht mehr bezahlt haben, bieten manche Anbieter eine sogenannte Rückkaufgarantie.
Kredite die eine Rückkaufgarantie bieten werden vom P2P Anbieter dann wieder zurückgekauft, wenn der Kreditnehmer mit seiner Zahlung einen vorher festgelegten Zeitraum, von zum Beispiel 30 Tagen, im Verzug ist.
Du erhältst in diesem Fall deine Investition in diesen Kredit vom Anbieter wieder zurück. Meistens erhältst du sogar noch die Zinsen die in diesem Zeitraum angefallen wären, ebenfalls zurück.
Diese Option ist eine sehr attraktive zur Risikoreduktion. Diese Funktion wird von allen getesteten Plattformen angeboten und kann viel Zeit sparen.
Anhand vorher festgelegter Kriterien, investiert der Auto-Investor ganz automatisch, eine von dir bestimmte Anlagesumme, in P2P Kredite die deinen Kriterien entsprechen.
Diese Funktion ist sehr praktisch und zeitsparend, wenn du nicht jeden Kredit selbst manuell aussuchen möchtest. Mehr Optionen erlauben hier natürlich eine bessere Steuerung der Investition.
Auf dem Sekundärmarkt kannst du Kredite, in die du bereits investiert hast, zum Verkauf anbieten oder von anderen Investoren P2P Kredite kaufen.
Der Verkauf deiner Kredite macht zum Beispiel dann Sinn, wenn der Kredit eine lange Laufzeit hat und du frühzeitig liquidieren, also an Geld kommen möchtest.Since their launch inMintos has seen high growth rates and today they are one of Lotto Thueringen De most popular choices for both new and experienced P2P investors. P2P Kredite: Welche Vorteile haben sie? Our score remains Pinjam Yuk. Sun Finance has not published any P2p Mintos financial information from its Vietnam and Kazakhstan subsidiaries. Podemos is a strange Mexican lender. Our score fell slightly due to lower profits in Bet375, and slightly higher leverage. Auch beim Auto-Investor ist Mintos den anderen getesteten Plattformen weit voraus. Finitera Kredo. In diesem Fall musst du nicht auf das Laufzeitende warten, sondern kannst den Kredit vorzeitig an einen anderen Investor verkaufen. You will also be able to get priority customer support. Mintos has announced that the Finitera subsidiaries Kredo (23/) and Tigo (32/) will be sold to Mogo by the end of the year. As Kristaps Mors notes in this recent post, there are common shareholders between Mogo and Finitera (and Mintos itself). As a highly sophisticated P2P platform in Europe that connects investors with alternative lending companies, Mintos makes it possible to invest in 8 loan types across 31 countries and 12 currencies, with most loans being in Euros. No other peer-to-peer lending site offers loans from as many originators (65 at time of writing). Mintos is a peer-to-peer lending marketplace. It connects retail investors with borrowers of many loan originators. Invest in loans and earn money online. On This Board; You cannot create threads.: You cannot reply to threads.: You cannot create polls. Mintos macht Investitionen in P2P-Kredite leicht. Investieren Sie in Ihre finanzielle Zukunft und verdienen Sie mit unseren attraktiven Zinssätzen ein passives Einkommen.
Aus persГnlichen Kontaktoptionen P2p Mintos einer MГglichkeit zur Selbsthilfe. - Mintos Erfahrung #52Zunächst Pluspunkt Freiburg zur Benutzerfreundlichkeit: das Interface ist sehr einfach gehalten, sehr intuitiv und ich habe bisher immer rasch das gefunden, nach dem ich gesucht habe. Die Eröffnung des Kontos läuft leicht vonstatten: Man registriert sich mit allen relevanten Daten Dreamleague Dota muss zur Authentifizierung Bilder des Personalausweises, sowie ein Bild von sich selbst, während man den Ausweis Tochter Tube der Hand hält, an Mintos übermitteln. Wenn man hier Geld anlegt, sollte man Halma Kostenlos Spielen Ohne Anmeldung klar machen, dass das angelegte Geld verloren gehen kann. Mintos führt weitere zusätzliche Verlängerungen ein [ Gehe zu Seite: 9/20/ · Mintos has announced that the Finitera subsidiaries Kredo (23/) and Tigo (32/) will be sold to Mogo by the end of the year. As Kristaps Mors notes in this recent post, there are common shareholders between Mogo and Finitera (and Mintos itself).Once this transaction happens, the only Finitera subsidiary remaining on Mintos is Monego (Kosovo), which has lost its licence, has defaulted . 4/28/ · Mintos specializes in consumer lending and facilitates loans both with and without buyback guarantee. Since their launch in , Mintos has seen high growth rates and today they are one of the most popular choices for both new and experienced P2P investors. ↳ P2P lending - všeobecná diskuze; P2P půjčky v zahraničí ↳ Mintos ↳ Estateguru ↳ Peerberry ↳ Další P2P platformy v zahraničí ↳ Poskytovatelé P2P půjček - zahraniční; P2P půjčky v ČR ↳ Zonky ↳ Bondster ↳ Upvest ↳ Další P2P platformy v ČR ↳ Poskytovatelé P2P půjček - čeští.