Seit vielen Jahren nutzen wir die P2P-Plattform Bondora. Hier erfährst du unsere ehrlichen Bondora-Erfahrungen – immer aktuell. Fragen zum Investieren in P2P-Kredite? Mehr als Anleger diskutieren zum Thema. Erfahrungen, Anbieter, Probleme, Tipps. Komm vorbei! Bondora ist eine P2P-Plattform aus Estland, die schon gegründet wurde. Damals begann Gründer Pärtel Tomberg in den Ausläufern der.
Bondora für Anleger im TestBondora gehört neben Mintos zu den beliebtesten Plattformen bei den P2P Investoren. Bei Go and Grow bin ich schon von Beginn an dabei. Und nach meinem. Meines Erachtens ist Bondora der seriösteste, vertrauenswürdigste P2P-Anbieter. Mit Go+Grow haben sie auch ein Produkt, was mit extrem geringem Aufwand. Über die P2P-Plattform Bondora können Anleger Geld in Kreditprojekte aus Estland, Spanien und Finnland investieren. ▷ Jetzt in unserem Test informieren.
P2p Bondora P2P Lending Marketplace News and Reviews VideoMintos Invest \u0026 Access vs. Bondora Go \u0026 Grow after 3 Months - 1.000€ Experiment
With the current global situation, it is better to be cautious and assess the data once it is available rather than target exponential growth.
As a business, we do not need to generate enormous growth in our key metrics every year to stay afloat. If we choose to decrease our originations, our operating costs decrease in line with this.
Will you restart lending in Finland and Spain? Instead partial payouts were enacted for withdrawals. I understand the situation is back to normal with instant payouts again, but can you please share looking back what it meant for your investors and how they reacted to this measure?
This was a necessary measure built into the product from day 1. When partial payouts were active, I read through hundreds of support tickets, social media comments and forums to try and grasp the overall reaction investors had.
Most understood why we activated this feature and why it was critical to the sustainability of the product.
Investors would not continue to use Bondora if they did not trust us and see us as a sustainable company. Where is the money from this buffer kept?
Is it sitting in a bank account, meaning the buffer does not generate any interest? Of course, this may change based on daily withdrawals and money received.
One point of critic several investors have mentioned is the way Bondora treats late loans for calculating the net return figures in the investor dashboard.
Only the amount of the overdue instalment rate is treated as late for this purpose not the whole outstanding loan amount.
Critics feel that this leads to overly positive displayed net return figures creating expectations which are later deflated once the portfolio matures and the return calculations are lowered.
What is your opinion on that and are there any plans to change the calculation method? 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. 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. Remember, you just need to have a diversified portfolio.
Invest euros in as many loans as you can to lower the risk in case of a default. Portfolio Manager or Portfolio Pro are two very similar strategies that will automatically match your desired investment with borrowers.
Through Bondora, there is no manual selection of loans. Portfolio Manager is a quick way for investors to build a portfolio based on risk appetite.
Investors can choose between ultra-conservative to opportunistic strategies. Based on the risk, the proposed amount to be invested, and the recommended number of years of investment, Bondora provides an expected distribution of loans and an expected return for the 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 particular ratings, for specific 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. As with any investing platform, before committing a large amount of money to invest, I will always test how the withdrawing function works.
On Bondora, it is as smooth, as depositing funds. In my experience, it takes up to 2 days for the money to arrive in my Revolut account.
How much money I have invested so far, and what are my returns. I started investing on Bondora in September I have invested small sums during the past 1 year.
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.
Selecting one does not restrict the others. Bondora has a secondary market where investors are able to buy and sell purchased loans to each other.
Investors can choose to trade either single loans or whole portfolios. 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. You may just find that the seller has mixed defaulted loans with some current loans, to make the whole portfolio look like a good deal.
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. Bondora has suggested that it has the highest yielding returns in the P2P marketplace, throughout the globe reference here , and have shown some statistics to back that fact up.
Find more statistics on the Bondora Statistics page here. Investors are able to track returns on a daily basis, and investments can be liquidated at any time.
The investment is catered for people looking for lower-risk, fast liquidity and automated features.
Find my full review of Go and Grow here. Bondora was one of the first platforms I invested through, due to their high rate of return and small initial investment amount.
They are consistently producing the highest returns in my portfolio see my returns. I am, however, diversifying through other European platforms that have more systems in place to guarantee returns.
On the other hand, the lending process at Bondora is significantly leaner. If a borrower wants a loan from a bank, then he or she must make an appointment with the bank on the spot, provide a great deal of documentation and, above all, often wait for several weeks before the bank comes to a decision.
However, usually, the borrower needs the money very quickly. If the bank rejects the loan, in many cases this results in very unpleasant situations for the interested party.
At Bondora, it works this way: the potential borrower accesses the Bondora website, where they enter their details for example, full name and address, as well as income.
The decision on whether to accept the prospect as a borrower is taken very quickly and communicated. In this way, the borrower does not lose unnecessary time and also receives fair interest rates.
Thus it is a win2win situation for everyone involved. Each borrower is also rated - this means he receives a credit score from AA, which stands for "low risks" up to HR, which stands for "high risks.
This rating, in turn, is critical to investors at Bondora because investors have the opportunity to choose select risks when lending.
Borrowers who are considered to be high risk on the credit check pay higher interest rates than borrowers who are considered low risk.
Conversely, for lenders, that is, investors, this means that the potential return from interest on investments may be more profitable in high-risk loans than when investing in loans that are classified with an AA rating, provided that all loans are ultimately serviced and repaid.
If I, as an investor, decide to invest on the Bondora platform, where exactly do I have to transfer my money? Investors transfer their money to Bondora.
There the money is kept in so-called segregated accounts. A segregated account is an account in the name of the investor that is kept separate from the assets of Bondora.
We mainly offer lending with maturities between 36 and 48 months, partly with much shorter durations, which is the exception.Bondora was one of the first platforms I invested through, Beerpongtisch to their Betz Holding rate of return and small initial investment amount. 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. I am, however, diversifying through other European platforms Abu Dhabi Tennis have more systems in place to guarantee returns.