Gastbeitrag bei Bondora: – ein Jahr der Herausforderungen für alle, Tipps zum Investieren in P2P-Kredite und weitere Themen. Wenn es um P2P-Kredite geht, steht Bondora auf Platz 2 in Europa. Nur Mintos ist weiter vorne. Mittlerweile investieren mehr als Seit vielen Jahren nutzen wir die P2P-Plattform Bondora. Hier erfährst du unsere ehrlichen Bondora-Erfahrungen – immer aktuell.
Bondora für Anleger im TestÜber die P2P-Plattform Bondora können Anleger Geld in Kreditprojekte aus Estland, Spanien und Finnland investieren. ▷ Jetzt in unserem Test informieren. Meines Erachtens ist Bondora der seriösteste, vertrauenswürdigste P2P-Anbieter. Mit Go+Grow haben sie auch ein Produkt, was mit extrem geringem Aufwand. Bondora ist eine P2P-Plattform aus Estland, die schon gegründet wurde. Damals begann Gründer Pärtel Tomberg in den Ausläufern der.
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Overall, we have no plans to make any changes to our calculation methods. Treating the whole outstanding loan amount as late would also have its limitations.
Does that mean that investors investing at that time incurred losses or how is that graph to be read? Typically, most portfolios are made up of a range of different loan durations from different cohorts.
We publish this graph simply to give full transparency and visualize information on the data we publish in our public reports.
Looking forward, do you expect default levels to rise on your consumer loans in Spain, Finland and Estonia in the remaining months of and as a result of the economic fallout of the COVID crisis?
So far, our portfolio data does not suggest a trend of rising defaults. Again, this is why we made the decision to reduce our originations throughout the crisis period as a precautionary measure.
My opinion is that although events this year with other smaller platforms have cast a negative light on the industry, there is a silver lining.
Events like this can offer trigger expedited financial regulation due to the need for some form of consumer protection being brought into the public eye.
We have always been in favour of pan-European regulation for P2P lending, and continue to work with regulators in support of this. Yes, we have been profitable for three years.
Final note — Thank you to all of our investors who have continued to support us over the years. We are looking forward to when the world is back to normal and we can welcome you in our office again.
Not only the stock markets, but also the p2p lending sector is heavily impacted by the current coronavirus situation.
Some screenshots of the slides shown are at the end of this post. About Mintos investors were watching and I think they highly appreciated the time and effort Mintos took to communicate.
CEO Martins Sulte spent over 45 minutes answering questions. And there are a lot of questions investors have in times like these. My take is, that the biggest trend we saw in p2p lending in the past week is the hunger for liquidity.
Both on the investor side as on the loan originator side on those marketplaces that work with loan originators. Of these.
So even in this small, non-representative poll nearly half the investors are saying they are withdrawing money. In the current situation most investors in the discussion seem to assume that elevated risks come by the potential inability of borrowers to repay the loans, due to economic downturn.
That may well be, but would impact the yield mid- or long-term weeks or months. In my view there are two very short-term risks that many investors overlook:.
An industry insider I spoke to said he would expect at least loan originators to fail short term. The two cited short term problems are especially a concern on those p2p lending market places that operate with loan originators.
The platforms have reacted by four ways: communication, temporarily suspending borrower repayment requirement especially SME loans, e.
Below are screenshots of some of the slides shown in the Mintos webinar today:. European p2p lending services are growing.
This attracts international investors. But if you are a US resident, you may have made the experience that you cannot register on some marketplaces.
This is mainly due to KYC know-your-customer and AML anti-money-laundering requirements, which get more complicated if the client is outside Europe.
I have asked many of the European p2p lending marketplaces, whether they accecpt US residents and US companies as investors. Here is an overview of 5 services sorted aplphabetically that do allow US investors.
I have not provided a review for each of the service as the article would have gotten too long, but you can easily find news and reviews by entering the company name into the search box on the upper right of this blog.
On some platforms you need a bank account in the European Union. They are both very useful for currency conversion Revolut is better.
On the other marketplaces it is EUR. Mintos has additional currencies. Transferwise borderless is available in all US states except Hawaii and Nevada.
Mentioned new customer cashbacks were correct at the time of the publication of this article. If you are reading the article at a later time, it may have changed.
A current list of cashback offers is here. Other product types offer higher rates. US investors are welcome. UK bank is account required — see notes above.
The platform only allows investments in Euros, and focuses on unsecured consumer lending throughout Finland, Spain and Estonia.
The platform has over , investors from 85 different countries and boasts historical annual returns between 9. The registration process is very simple and easy.
Initially, new investors are just required to enter a name, email address and phone number into the sign-in form.
Once completed, Bondora will send through an email with further instructions on account creation. Before you make a withdrawal, you will need to supply identification documents to prove your identity.
Investments through the primary market in Bondora are only offered through Portfolio Manager or Portfolio Pro. These are two very similar tools that will automatically match your investment with borrowers.
There is no manual selection of loans through Bondora. Portfolio Manager is a quick way for investors to build a portfolio based on risk appetite.
Investors can choose between ultra-conservative to opportunistic. Based on the risk, the proposed amount to be invested, and the proposed number of years of investment, Bondora provide an expected distribution of loans and an expected return for the time period selected.
Portfolio Pro provides more options and flexibility than the Portfolio Manager, however, you have to access your own risk. Investors can choose loans from certain countries, with certain ratings, for certain time periods and at varying interest rates.
Here, Bondora matches the settings up with the number of loans currently in the system, and also with an expected rate of return. The Portfolio Manager has been designed as more of a basic automatic investment, which allows investors to select their risk rating and time of investment.
The Portfolio Pro tool has been designed more for investors looking to have control over specific investment settings.
A further difference is that the Portfolio Manager will invest through the secondary market as well as the primary, whereas Portfolio Pro will only match with borrowers from the primary market.
So we probably can't be considered as a start-up anymore despite still having the culture internally , we're more of a "Scale-Up" today.
We have no immediate plans to enter any new markets to offer loans, instead we plan to grow significantly where we are already operating.
This will allow us to scale ethically, build trust and serve customers who need us. Our sole focus is to build a simple service everyone in Europe can use.
We don't focus on onboarding institutional investors, because this often diverts your attention from creating and improving services which cater to the majority of your customers.
You don't need a degree in finance or any experience in investing to get started, you don't have the limitations of liquidity traditionally associated with P2P lending, and you can see your returns added daily.
There's no need for investors to select loans or even an investment risk strategy manually, they simply create the account and we do the rest.
All returns in excess of 6. The response from investors since launching in June has been incredible. As a result of offering a simple service everyone can use and increased trust from investors, we've seen the amount invested each month nearly quadruple compared to 12 months ago.
The advantage for the investor is they can passively make money and earn up to 6. In doing so, Bondora ensures that the selected risks in lending correspond to the expected return.
Thus, the investor can flexibly transfer his money back to a savings account. At the other end of the spectrum, technically-savvy investors are able to write their own program and connect to our API.
You'll need some technical skills with any common coding language to be able to do this. Plus we have Portfolio Manager and Portfolio Pro in between.
My point is, no matter what your own personal strategy and experience is, you're able to invest with Bondora.
Here is a short overview of the benefits which Bondora platform offers to its investors:. Opening an account with Bondora is straightforward.
You will need to provide your names, email address, and phone number. As with any other P2P and crowdfunding platform, to open an account with Bondora is entirely free.
The first thing you need to do is to open an account on their website, which is free. This process takes less than minutes, including the step where you will be asked to verify your identity.
Remember that as with any investing platform — no matter if it is P2P, crowdsourcing, crowdfunding, stocks, or crypto, you will be asked to verify your identity in order to prove that you are a real person and you are not trying to launder money.
Once your account is created and verified, which usually happens immediately, you can then browse loans that are available on the platform to get a good sense of the platform.
To make your first investment, you will need to make a deposit first. You will be provided with four options, but I will show you how to do so in the next section.
Except for the high returns on your investments, another reason to start using Bondora is that it offers several ways to maximize your income, through sign-up bonuses.
If you sign up directly on Bondora. The transfer is usually rapid. I also use Paysera. They offer one of the best and fastest services for SEPA transfers.
Once, my deposit to Bondora was received in 9 seconds! Bondora offers two different types of products with different risk profiles.
The primary market is using the direct investment structure, which means that investors are lending directly to the borrower.
You just have to activate that strategy within your account. This is very cool as you can rename them. Bondora has a relatively high liquid secondary market where investors can buy and sell loans to each other.
Investors can choose to trade either whole portfolios or single loans. Before using the secondary market, investors must agree to the Secondary Market Settings.
When selecting loans part of whole portfolios, make sure you check to see the status of all loans in the portfolio.
Investing in these can be one way to lose money. If you have the time, the secondary market can be a good place to find some good deals.