There are many ideas for investments. In recent times investing in loans is gaining popularity. Is it a good idea to multiply funds in your personal bank accounts?
The times when Poles placed most of their savings on deposits or savings accounts have long since become a thing of the past. Banking institutions do not offer high interest rates, and even if it is one of the higher rates on the market, a huge part of the client’s profit is devoured by inflation. 2 or 3% per annum is unfortunately not enough to think about serious earnings, even in the long term. This means that many of our compatriot in bed peeps devises or ideas from other bed in the country. On the Vistula River are developed new or previously unknown in our country investing methods. One of them is social lending, i.e. the so-called social loan.
Social lending – what is that?
It is a social loan, consisting in concluding a loan agreement directly between natural persons. This mainly occurs through websites, and traditional financial institutions do not participate in the whole process. The idea of social lending appeared in our country around 2008. Five years later, in Poland there were already six bed service in the intermediary in such transactions, today there are several. One platform P2P roses than SIU from the other functionality above all, limit the size of the operation, concluded by owners, as well as the severity of security and facilities for the borrower and lender in bed in bed.
COMPOSITION took investments in loan?
It seems that the idea was born in Great Britain. It was in the Islands that the first transaction service was established. The subject was in bed um y łaś not social lending. The p2p platform was called ZOPA, or Zone of Possible Agreement. Spos yellow b its activity consisted in the fact that the person who ó ra was in the portfolio of a budget surplus, forwarded free resources on the other, kt yellow ra needed loan, and a variety of reason bed in would not involve a contract with the bank or company granting the so-called moments ó wek. The idea spread quickly not only in Europe, but also to other continents.
Credit investment and mentality
The average Pole dim view of any kind of commitment, and already esp bed Overall these financial statements. However, it cannot be hidden that our countrymen are indebted to power. They do not want to, but they must, because the amount of remuneration or retirement benefits in the country on the Vistula does not inspire optimism. Mostly lend money for current expenses, consumption or, worse, repayment of long, leading in many cases to the so-called spiral of debt, with kt yellow Reg write more in the article is available HERE. Unfortunately, the “pledge and put yourself” principle still lingers on in Poland. Many of us do not have financial awareness, and also do not know the basic rules of safe borrow (we will write about them in one of the older materials, kt yellow rice HERE and invest accumulated capital. Over the years it was difficult to convince our compatriot bed in the sense of social lending and interest in what the p2p platform is.
Investment in kitchen loans
The p2p platform is an intermediary between two individuals. As a rule, these services do not require the investor to bed incurring any expense in bed associated with establishing and running an account. The lender has many choices, because in social lending there is quite a lot of freedom. The profit resulting from this form of borrowing is determined already at the stage of signing the contract with the borrower. Zone A purely formal, that is, um bed preparation in and support the entire transaction, takes a lending platform.
P2p platform – how to register?
First, an account is created. Accurate verification of personal data will be necessary. While the administrators of overexposure new user bases in bed debtor, information bureaus etc. will check the credibility of the same, but the identity of the person registering. Wa other than shares is to accept all the regulations and ó zg d marketing. Without this they will not be able to contact the user.
Where to start investing in loans?
If we already have an account on the site, we can start investing. However, before we make the first operation, it is worth considering a measure of how much we are able to spend on the loan. Social lending is not a game but a serious and responsible field. Remember that in the loan industry we can not be sure of anything, we meet the risk at every step. From the report prepared by the bed in the P2P platform that captures the interest of a loan up to 90% of a borrower in bed. However, there is a just concern that the receivable will not be repaid. Before you start investing so service’s review, let’s see offers kt yellow rice, for example. Security in the event of such an eventuality. SOME re bed because lenders guarantee refund of part of the amount invested.
How much can you earn?
Investing in credit or investing in loans can cause you to lose but also earn extra money. Profit is not stable, but dependent on many factors ó in. Services dealing with social inform loans that you can get up to 25% of a gross loan. Everything, however, depends TERMS bed in the agreement, to which we agree or that will be imposed on us. Each p2p platform has its own specifics and rules of settling accounts with the user. One sets the interest rate itself, the other gives the investor the field. Practice shows that the lender receives the amount due together with interest accrued from it.
Who provides such services?
Each platform P2P accurately verifies the identity of zar bed NCE borrower and the lender, reducing investment risk to a minimum. Among other things, creditworthiness is assessed, i.e. the real possibility of regular repayment. Social lending websites are becoming more and more popular in Poland. Over the past few years, a dozen or so have been created. The most popular are: Finansowo, Monero or CapitalClub.
Social lending – is it worth it?
Investing in loans or borrowings can be profitable if we approach the topic “head-first” and coolly. Let’s calculate and not give in to emotions or financial madness. This last leads in the majority of case in bed only for bankruptcy. Let us remember that we are in the hands of the living money, the kt yellow rice previously worked hard. In addition, the fact that we have put away a few pennies testifies to us best. Most Polak ó in fact there is no savings accounts. However, if we want to start investing, and have not yet accumulated sufficient capital, it is worth looking at our text 4 simple methods of saving every day. On the issue of loans and can be financed in bed you know the contact bed also carries on Customer Service March Hare.