Some sites focus on specific types of borrowers or loans. The nonprofit Kiva, for example, allows investors to support entrepreneurs and others in the U.S. and around the world, many without access to traditional lending institutions.
Размытая ответственность площадок перед участниками сделок, что повышает риск для инвесторов.
Процент, обычно, ниже, вместо в банке, что желательно для заемщика.
A ascensão do private market: por que investidores estão indo além da bolsa para diversificar e buscar retornos consistentes
The interest rates can be set by lenders who compete for the lowest rate on the reverse auction model or fixed by the intermediary company on the basis of an analysis of the borrower's credit.
Отныне можно найти инвестирование похожего формата — краудлендинг.
A oferta de rentabilidade acima do mercado não é uma questão de generosidade. Longe disso. As altas taxas oferecidas pelos títulos de alto rendimento são uma forma de atrair os investidores e compensar o risco assumido por quem os adquire.
Understanding the Process of Peer-to-Peer Lending P2P lending websites connect individual borrowers directly to individual lenders. Each platform sets its own rates and terms. Most sites have a wide range of interest rates based on the creditworthiness of the applicant.
У каждого заемщика формируется рейтинг, который зависит с подачи объема заполненной информации повсечастно сайте, суммы проведенных сделок, качества исполнения обязательств. Рейтинг падает, при нарушении сроков или p2p lending неполной выплате суммы к определенной дате.
Mutual borrowing companies can provide data on a person’s credit rating and insolvency risk – to inform your decision better.
No investment fees are charged on this platform which increases the profit margins for the investors;
Another example is when the P2P platform fails to keep investors up to date on the loan recovery process for a long time. Below is an example of what notifications are received by investors on their insolvent loans:
Due to its wide coverage of many countries especially in the European zone, the platform offers a large number of loans.
The most significant risk in P2P lending is the possibility of borrower default, meaning the borrower fails to make scheduled payments. Since most P2P lending platforms connect lenders directly to borrowers, any defaults directly impact investor returns.