Dafür eignet sich diese P2P Platform Mintos bestens! Obendrein ändert Mintos dann auch noch seine AGBs, aber sowas von zugunsten des Unternehmens und. Mintos macht Investitionen in P2P-Kredite leicht. Investieren Sie in Ihre finanzielle Zukunft und verdienen Sie mit unseren attraktiven Zinssätzen ein passives. Mintos ist ein Marktplatz für Peer-to-Peer-Darlehen. Er verbindet Kleinanleger mit Kreditnehmern vieler Kreditgeber. Investieren Sie in Darlehen und verdienen.
Meine Rendite bei Mintos nach 5 Jahren P2P-Kredite InvestmentDafür eignet sich diese P2P Platform Mintos bestens! Obendrein ändert Mintos dann auch noch seine AGBs, aber sowas von zugunsten des Unternehmens und. Das Mintos Handbuch: Erfolgreich in P2P-Kredite investieren: Ein Leitfaden für Privatanleger eBook: Wörner, Sebastian, Franzen, Sventja: rocndeals.com Fragen zum Investieren in P2P-Kredite? Mehr als Anleger diskutieren zum Thema. Erfahrungen, Anbieter, Probleme, Tipps. Komm vorbei!
P2p Mintos Présentation de l’entreprise Mintos VideoMINTOS - Η Μεγαλύτερη Ευρωπαϊκή Πλατφόρμα P2P Lending (Οδηγίες Βήμα-Βήμα) Mintos macht Investitionen in P2P-Kredite leicht. Investieren Sie in Ihre finanzielle Zukunft und verdienen Sie mit unseren attraktiven Zinssätzen ein passives. Mintos ist ein Marktplatz für Peer-to-Peer-Darlehen. Er verbindet Kleinanleger mit Kreditnehmern vieler Kreditgeber. Investieren Sie in Darlehen und verdienen. Das Mintos Handbuch: Erfolgreich in P2P-Kredite investieren: Ein Leitfaden für Privatanleger eBook: Wörner, Sebastian, Franzen, Sventja: rocndeals.com Dafür eignet sich diese P2P Platform Mintos bestens! Obendrein ändert Mintos dann auch noch seine AGBs, aber sowas von zugunsten des Unternehmens und. Spain and Poland rank 5 in the new Mintos Risk Score, and all of their loans are late. Mintos has executed very well, attracting nearlyinvestors from 72 countries Slottyway the world. Does this mean that the FX is not a huge problem for them at the moment? Mikro Kapital Belarus.
Mintos Auto Invest Strategy. There are three ways to exit an investment at Mintos: Sell the loans on the secondary market at a premium or discount.
Wait until the loan is paid back. Wait until the Buyback Guarantee is executed. Mintos Invest and Access. Comparison of Ways to Invest on Mintos. Auto Invest VS.
Nice to Know for Investors. Registration Process. Depositing funds to your investor account is done in three steps: Transferring money into your Mintos account with any of the below listed Funding Methods.
Your funds will be available for investment within the day of confirmed arrival to Peerberry usually banking days. After the funds are received and added to the account, you will receive an e-mail confirmation.
Funding Methods. Bank Transfer. Currency Fair. Mintos Tax. Email support mintos. Opening hours Workdays: Mintos Competitors. Who can invest? Mintos Statistics.
Is Mintos a Scam? Is Mintos Legit? Is It Safe? In December , a beta version for iOS was released, and later, in January , the Android version followed.
With the release of a mobile application, Mintos aims to make it easier than ever to invest in loans from its marketplace.
At this point in time, not all features you can find on the website are yet available on the mobile application.
However, Mintos is currently working towards implementing more of the web features on the app. But at the time being, many investment features are not available for mobile.
And even if you want to use the Mintos mobile app, you will still have to sign up via the website first. Another feature we think should be mentioned in this Mintos review is the risk ratings on the platform.
In , Mintos became the first P2P lending platform in Europe to introduce loan originator credit ratings. So whether you deal with loans on the primary market, the secondary, or when you are making use of the auto-invest features on the platform, you will quickly notice a risk rating connected to the loan originator of the respective P2P loan.
Essentially, the Mintos rating is made to make it easier for the average investor to understand the risk associated with a Mintos loan originator of a specific loan on the marketplace.
If a loan originator has a bad rating, there could be a higher chance that they will not be able to fulfill their obligations like buying back loans with the buyback guarantee.
The rating is based on a specific assessment methodology conducted by Mintos. The methodology contains five main areas which are operating environment, company profile, management and strategy, risk appetite, and financial profile.
This methodology is very similar to how credit rating agencies like Fitch rate investments. In this part of the risk rating, Mintos take a look at the regulatory environment surrounding the lending company.
Here, effective regulatory institutions and law enforcement are viewed positively. Here, factors such as market position, product offering, and organizational structure are assessed.
When considering the management and strategy, Mintos looks at the experience of the management in the company as well as their track record.
Other factors like budgeting quality, timeliness, and transparency are also assessed. Here, factors such as underwriting standards, market risk, and risk controls like usage of credit bureaus are assessed.
This is naturally one of the most important parts of the rating due to the fact that a company with a bad financial position can impose a lot of risk to the investors.
When Mintos assess the financial profile of a company, they do so by looking at loan portfolio metrics such as the amount of non-performing loans.
They also look at the overall profitability of the company as well as factors like leverage, funding, and liquidity.
According to the assessment methodology, roughly speaking, the loans with low risk should be safer than the loans with moderate risk, and so on.
So before you start investing in P2P loans with high risk on the platform, we highly recommend that you think about your own risk tolerance.
You might benefit from looking at the image above before making various investments and auto-invest strategies on the platform.
As the old saying goes, there are only two certainties in life; death and taxes. In the following part of this review, we will touch a bit on the latter in regard to Mintos.
One of the main concerns of investors wanting to do P2P lending is how difficult it really is to do taxes of the returns.
But in early , Mintos actually made it quite easy to do taxes as they released the tax reports feature. This made it possible to do taxes very quickly and we were able to do them in just under 20 minutes!
A thing that probably should be mentioned is that it is not certain that you will be able to do this as quickly as it can depend on the tax system of where you live.
Currently, you will only get specific tax reports from Mintos if you are a tax resident in Estonia, Germany, or Latvia. However, we can show you how easy a tax report can be created.
Simply follow these steps:. In our experience, it takes a few minutes before the Mintos tax report is actually sent to the email. In the tax report, you will get an overview of the following:.
When you have received the email, it is your responsibility to actually do the taxes. This feature, for investors with a larger portfolio size, was introduced at the end of For example, a personal Investor Service Associate will be connected to your account.
With that person, you can discuss questions about the platform and much more over phone or email. You will also be able to get priority customer support.
Mintos strategies are 3 new automated investment strategies launched in August In the following, you can see how the 3 Mintos investment strategies on the left-hand side compare to making a custom strategy on Mintos:.
This makes the Mintos investment strategies an excellent choice if you want the most hands-off investment experience. This is due to the very fast access to your money if you want to sell your investments.
Would you like to try out Mintos investment strategies? Then click the button below to visit Mintos and create an account.
From here, you can easily go from reading this Mintos review to start using the strategies for your investment portfolio:.
The average net annual return for investors on the platform is currently around Since this is what investors receive on average, you can reasonably expect the same return rate.
If you have a higher risk appetite, it is also possible to choose loans with different local currencies with the possibility of higher returns.
Compared to other traditional asset classes like deposits, bonds, stocks, and real estate, Mintos is currently outperforming all of these:.
If you want to see how much this account to over in the long term, you should try out the Mintos interest calculator:. But if you are on a computer, you can access the investment calculator by clicking the button below and scrolling down a bit on the landingpage:.
It is both possible for individuals and companies to invest with Mintos. This makes the platform an obvious choice whatever the structure of your economy is.
As an individual, there are a few, but clear rules for what it takes to enable you to invest through the platform:.
If you live up to the above requirements as an individual, you can invest through the platform. If you would like to invest as a company, this is also possible.
Because there are very few requirements to be allowed to invest through the platform, it is possible for the vast majority of people to invest via Mintos.
Below you can see a map of which countries the current investors are from. Tout va bien pour le moment. Bonjour David! Merci pour ce retour complet et transparent.
Site web. Enregistrer mon nom, mon e-mail et mon site web dans le navigateur pour mon prochain commentaire.
Aber auch der estnische Konkurrent Bondora hat sich in den vergangenen Jahren gemausert und besticht durch ein gutes Angebot.
Tipp Während du bei den drei deutschen Anbietern deine Investition von zum Beispiel 1. Was sind P2P Kredite? Wie riskant sind Investitionen in P2P Kredite?
Was versteht man unter P2P Krediten? P2P Kredite: Welche Vorteile haben sie? Wenn du die Website weiter nutzt, gehen wir von deinem Einverständnis aus.
Mehr Infos. Finanzfluss Team. Zu Mintos. Zu Bondora. Zu EstateGuru. Zu Twino. Zu Viainvest. Zu Robocash. Zu Swaper.
Zu Viventor. You have Creditstar at a relatively high rating. Do you take into account that the short-term loans in Spain and Poland behave very differently than the personal loans elsewhere?
Spain and Poland rank 5 in the new Mintos Risk Score, and all of their loans are late. Moreover, no new loans are available on the primary market on Mintos.
Yes Spain and Poland are higher risk countries at the moment, but overall results so far have been fairly good so far this year. Looking forward to seeing the Q3 update.
Here is Hipocredit audited financial reports from did by BDO, if you can update the Key financial information. Hi Adam. I think we have already uploaded that data.
Perhaps try clearing your cache and see if the latest numbers appear? Let us know. Hi Adam — understood, we thought you were referring to the figures not the audit flag.
Thanks, we have updated it. I have noticed that they have a new presentation on their LO page but no Q3 financials as yet.
They dont seem to have a large proportion of late payments or any pending payments, which indicates that they are making their repayments on a timely basis.
Does this mean that the FX is not a huge problem for them at the moment? Good question Thomas. The ownership of hard assets like vehicles is probably a very good hedge of their euro funding exposure.
It seems that Mintos finally uploaded the Wowwo audited accounts not sure why they werent available previously!?
I know you werent happy with the audited accounts but the Wowwo Q3 financials look very healthy regardless of the pandemic and the change in exchange rates.
Looks like they are able to absorb quite large increases in exchange rates, which is a good sign for the future.
Hi Thomas. Where do you see Q3 financials? We can only see Q2. But yes, agree that reported performance so far this year is good, even with the Lira depreciation.
Does anyone have contact information at Dozarplati? Agree, they are doing great, and seem well managed. The main risk is that they are operating in places like Moldova and Albania which are emerging markets.
The persons in the group were wondering if this could affect Delfin Group, and if they should remove them from their anti-invest. We have received back a comment from the Delfin CFO.
Apparently the law being discussed would require borrowers to prove to officials that they have no income and no assets. Does not sound that different to the insolvency procedures in many European countries.
Worth monitoring but it seems that most borrowers in this position would have defaulted on their loans anyway, perhaps the recoveries on defaulted loans may fall slightly in some cases….
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Notify me of new posts by email. Skip to content. Last updated - 21 November Mintos lenders can default or close down - choosing the best lenders is important.
To begin with, below we discuss some recent events:. Mintos provides default recovery estimates to investors for the first time.
Cashwagon will liquidate - Mintos expects significant losses for investors. Finitera plans to sell Kredo and Tigo to Mogo, unlikely to honour Monego commitments.
Finko closes Ukraine subsidiaries and will no longer issue loans on Mintos. Investors reject Capital Service proposals - Mintos is negotiating better terms.
Mintos finally gets tough on Aforti, at last. Mintos expect to obtain a full recovery on Akulaku loans. Key financial information of each Mintos lender.
All Figures in EUR million profits annualised where appropriate. Last update 21 November Mogo Jun Dec 4. Our Mintos lender ratings. Consider country risk too.
Latest rating changes - November Wowwo Wowwo published its audited financial statements for New: Podemos Progesar Podemos is a strange Mexican lender.
Farewell to Rating confirmed: Iute Iute released their Q3 report and the results continue to be strong. Placet Group Placet Group has long been one of the strongest loan originators on Mintos.
Wowwo Wowwo sensibly reduced the size of its loan book during 1H while still managing to grow its profit levels strongly compared to Kviku We cut Kviku's score ahead of the release of their 1H results.
Stale data Several loan originators have not provided any financial information since Changes in August Creditstar Creditstar published its results for 1H and we liked what we saw.
Evergreen Evergreen is a small British payday lender. Changes in July Rating confirmed: Iute Iute also released their H1 report and we were impressed with the results.
New: Finko UkrPozyka We don't like anything at all about this loan originator. Sebo - acquired by Mogo Sebo is a Moldovan lender that had been owned by Finko.
Rating confirmed: Agrocredit Agrocredit is one of the oldest loan originators on Mintos. Changes in June New: Finko Kiva Finko Group has somehow managed to suffer the loss of licences by two subsidiaries in the last 6 months - Metrokredit in Russia, and Varks in Armenia.
Changes in May Sun Finance At the end of Mintos announced that several loan originators were owned by the Sun Finance group. Cashwagon Cashwagon's latest results are a little worrying.
Watu Credit Kenyan lender Watu Credit is on fire right now. Credissimo Earlier this month we downgraded Credissimo for not publishing any final information since Cream Cream is one of the larger and most established Mintos loan originators.
GFM Kazakhstan is another country that is having a rough time right now. Zenka Kenyan lender Zenka released results up to March and they seem to be performing well, growing their loan book and capital, and heading into profitability.
Rating confirmed: Dinerito Mexican lender Dinerito is fairly 'average'. Changes in April New score: Aasa Aasa has finally published results for both and Rating confirmed: Capitalia It is hard to see what the point of Capitalia is.
E-Cash The business model of E-Cash doesn't seem to work. Hipocredit Hipocredit is a small mortgage lender based in the Baltic region.
Mikro Kapital Russia Mikro Kapital is another lender that we downgraded significantly earlier this month. Rapicredit Rapicredit is a small Columbian lender.
Everest Finance We cut the scores of all Polish lenders following the introduction of new laws in Poland that limits how much lenders can charge.
Next step: consider adding these sites to your portfolio. Share this: Click to share on Twitter Opens in new window Click to share on Facebook Opens in new window Click to email this to a friend Opens in new window.
Hello, Do you share your full methodology on these ratings? Thank you so much for your work.