P2P investments
P2P lending, is the practice of lending money to individuals or businesses through online services that match lenders directly with borrowers. Since the peer-to-peer lending companies offering these services operate entirely online, they can run with lower overhead and provide the service more cheaply than traditional financial institutions. As a result, lenders often earn higher returns compared to savings and investment products offered by banks, while borrowers can borrow money at lower interest rates, even after the P2P lending company has taken a fee for providing the match-making platform and credit checking the borrower.
Best P2P platforms in Europe
Mintos is a peer-to-peer lending marketplace that brings together investors looking for solid returns with borrowers of non-bank loan originators. At Mintos investors can invest in different types of loans originated by many different loan originators. On the other hand, loan originators, that traditionally have been balance sheet lenders, by connecting to the Mintos platform can reap the benefits of peer-to-peer lending model in funding their loans.
Investments in EUR, Interest rates between 10-13 pct, guaranteed principle and interest, non-preforming loans are bought back after 60 days, auto-invest functionality, more then 8 000 loans to invest, easy to invest even bigger amounts.
Saving Stream is a peer to peer investment platform launched in 2013 by Lendy Ltd. Peer to Peer lending, also known as Person to Person or P2P lending allows investors to finance development projects and property purchases. Saving Stream ensures this process is fast, simple and secure, and delivers a fixed interest rate of up to 12% per year.
Investments in GBP, Interest rates 12 pct fixed, principle and interest secure by properties , Loan to Value can not exceed 70 pct + provision fund for defaults, currently not many loans on platform to invest, it means difficult diversification, excellent secondary market, loans can be sold almost instantly
TWINO is a privately-owned marketplace lender operating across 7 countries. The company, previously known as Finabay, started operations in 2009 in Latvia and has originated over EUR 240 million in unsecured consumer loans since then.
Investments in EUR or GBP, Interest rates between 10-13 pct, guaranteed principle and interest, non-preforming loans are bought back after 30 days, auto-invest functionality, more then 4 000 loans to invest, easy to invest even bigger amounts, bouth guaranteed and non guaranteed loans
Bondora AS is a leading consumer lender in Europe with solid track record in the Finnish, Estonian and Spanish markets
Investments in EUR, Interest rates between 10-85 pct, principle and interest is not guaranteed, auto-invest functionality, it takes some time to invest bigger amoutns, goood secondary market, It took me about 1 month to invest 5000 EUR by 10 eur in one loan.
Zonky - Czech platform, Investments in CZK, interest rates from 3,99 to 19,99, not a single default so far, too many investors on the platform, Loans are financed within a minute. No auto-invest functionality. Difficult to invest bigger amounts. Not much date available to asses loans or other statistics. Some data can be found on zotify.cz
If you use the links above for registration you will be get an extra 1 pct on all your proceeds you sent to platforms within the first 3 months.
How to transfer the money to platforms?
In case of smaller amounts use TransferWise. Payments will be in your account within 2 days and you can save a lot on bank fees. TransferWise charges about 0,7 pct fee but the exchanges rate is calculated as market mid-rate so you save on banks bid ask spread. In addition, if you use this link you get first transfer free up to 500 GBP.
For bigger amounts is better to use SEPA payment it is fast and fee should not exceed 10 eur.
My performance in 2016-17
P2P ledndig in Bitcoins?
Earning up to 70 pct? Well it looks like it is posible. At the moment I am in testing mode. Come back in 1 month time and will be able to show you first results and write the step by step guide how to earn 70 pct a month.
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