Fragen zum Investieren in P2P-Kredite? Mehr als Anleger diskutieren zum Thema. Erfahrungen, Anbieter, Probleme, Tipps. Komm vorbei! Dafür eignet sich diese P2P Platform Mintos bestens! Obendrein ändert Mintos dann auch noch seine AGBs, aber sowas von zugunsten des Unternehmens und. Das die Plattform nach wie vor einen Großteil des P2P Marktes beherrscht und der Erfolg dafür spricht, dass man bei Mintos einiges richtig.
Was du über Mintos wissen solltest: Mintos ErfahrungenFragen zum Investieren in P2P-Kredite? Mehr als Anleger diskutieren zum Thema. Erfahrungen, Anbieter, Probleme, Tipps. Komm vorbei! Das die Plattform nach wie vor einen Großteil des P2P Marktes beherrscht und der Erfolg dafür spricht, dass man bei Mintos einiges richtig. Mintos ist ein Marktplatz für Peer-to-Peer-Darlehen. Er verbindet Kleinanleger mit Kreditnehmern vieler Kreditgeber. Investieren Sie in Darlehen und verdienen.
P2p Mintos Overview of Mintos VideoMintos Auto Invest Strategy 🤖 [SURPRISING]
Sind P2p Mintos und Live Wetten. - Vorteile von MintosDein Schlüssel in die Steuerwelt — Die wichtigsten Fachbegriffe leicht erklärt.
Therefore we are going to give you insight in regards to our investment at Mintos. Firstly we decided to set up a custom Mintos auto invest strategy.
But instead of building the investment strategy from scratch, we actually went with the predefined diversification strategy made by Mintos.
For example, we excluded all loans without a buyback guarantee, as well as raising the minimum interest rate a bit. Our investment efforts for making this Mintos investing review resulted in the following numbers:.
As you can see from our account statement, we managed to get a weighted average interest rate of Where it can actually be a bit difficult to achieve the same return as there is announced on the website on other platforms, we found no issue with this on Mintos.
This is due to the fact that Mintos is the biggest platform with most loans in Europe. As there is a very low chance of Mintos cash drag occurring, we believe that the interest rate you get from Mintos is well worth it.
Especially in relation to the risk you take. Therefore, we also keep our auto invest strategy running for now. For different reasons, including to reduce the platform risk, investors could want to diversify more than one platform.
For example, this could be a very good idea for larger investors, as it is probably the best way to protect your money in case things go south on one of them.
You could also consider real estate crowdfunding instead of investing in P2P lending. To guide you on this, we have made an overview of some of the best real estate crowdfunding platforms.
To conclude our Mintos review, we want to address the fact that Mintos is one of the best platforms we have ever tested.
So whether you are a complete beginner to P2P investing or a P2P lending expert, Mintos offers one of the very best P2P lending marketplaces in the world.
The many features such as Mintos strategies, auto-invest, buyback guarantee, etc. But when you are getting comfortable with the platform, you will probably be glad for all the different features as it can make your investments tailored very specifically to your needs.
The tax report feature is also a great addition to the platform, which will make doing taxes a lot easier than on some of the competing platforms.
We also believe that their platform is very secure. However, you must be aware of having to activate two-factor authentication yourself.
In addition, the safety on the platform also depends on how you invest your money on it. But as long as you have your diversification in order and also only investing in buyback guarantee loans from quality loan originators, you will probably have a good and lucrative investment experience with Mintos.
Do you want to invest through the platform after reading our Mintos review? Then click on the button below to get to their website and create an account:.
Skip to content Menu Close. Overview of Mintos. We find the return compared to the safety favorable. Beginner Friendly. The Mintos marketplace is very beginner-friendly.
Investor Protection. Mintos has made a lot of safety measures. Investors get an average return of We Like. No investment fees Good diversification opportunities Huge quantity of loans available Possible to use auto invest Secondary market is available Mintos mobile app Easy tax reports.
Fee for currency exchanges 0. Sign up here. Last updated: October 20, Introduction to our Mintos review Over the past few years, there has been a lot of buzz around the European P2P lending platform Mintos.
Learn about the following in our Mintos review: What is Mintos? Main features What rate of return can you expect?
Who can invest via Mintos? Depositing and withdrawing money Is Mintos safe to use? Can I get a Mintos promo code?
Set up a Mintos auto invest strategy How we decided to invest Mintos alternatives Conclusion of our Mintos review. What is Mintos?
How Mintos works Unlike some other P2P platforms, Mintos works by simply being a marketplace that connects loan originators and investors.
But what does it help if your loans are simply taken over by others? This is basically how the lending companies benefit from using Mintos. Now Mintos is also taking some sort of cut for doing business with the lending companies.
Anhand vorher festgelegter Kriterien, investiert der Auto-Investor ganz automatisch, eine von dir bestimmte Anlagesumme, in P2P Kredite die deinen Kriterien entsprechen.
Diese Funktion ist sehr praktisch und zeitsparend, wenn du nicht jeden Kredit selbst manuell aussuchen möchtest.
Mehr Optionen erlauben hier natürlich eine bessere Steuerung der Investition. Auf dem Sekundärmarkt kannst du Kredite, in die du bereits investiert hast, zum Verkauf anbieten oder von anderen Investoren P2P Kredite kaufen.
Der Verkauf deiner Kredite macht zum Beispiel dann Sinn, wenn der Kredit eine lange Laufzeit hat und du frühzeitig liquidieren, also an Geld kommen möchtest.
In diesem Fall musst du nicht auf das Laufzeitende warten, sondern kannst den Kredit vorzeitig an einen anderen Investor verkaufen.
Während unseres Tests standen mehr als 4. Auch die Möglichkeit, in mehreren Ländern und unterschiedlichste Kredittypen Privatkredit, Geschäftskredit, Hypothekenkredit etc.
Wenn du bei Mintos investieren möchtest, kannst du dich darüber freuen, dass derzeit keine Gebühren erhoben werden. Lediglich beim Handel über die Sekundärmärkte fällt eine Gebühr von einem Prozent an.
Der Sekundärmarkt ist aber jeden Cent wert, da du über Mintos, bis dato als einziger Anbieter im Test, Kredite mit Auf- oder Abschlägen handeln kannst.
Das ermöglicht es dir, unbeliebte Kredite etwas günstiger als deine ursprüngliche Investition am Sekundärmarkt wieder loszuwerden, oder als Käufer Schnäppchen zu ergattern.
Mintos punktet übrigens auch beim Registrierungsprozess, denn hier reicht das Ausfüllen des Online-Formulars. Wenn ihr Geld wieder auf eurem Girokonto ausbezahlt haben möchtet, müsst ihr aus Gelwäschegründen eine Kopie eures Personalausweises oder Reisepass auf der Plattform hochladen.
Man staune ab der Ignoranz der Leute bei diesem Kredit. Du kannst keine Beiträge in dieses Forum schreiben.
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Du kannst an Umfragen in diesem Forum nicht mitmachen. Tout va bien pour le moment. Bonjour David! Merci pour ce retour complet et transparent.
Site web. Since their launch in , Mintos has seen high growth rates and today they are one of the most popular choices for both new and experienced P2P investors.
Mintos have a comprehensive and informative overview of the different loans on the platform. Almost all useable information is available such as type of loan, interest rate, repayment method amortization , remaining time and even information such as loan-to-value LTV is specified in the loan breakdown.
Furthermore, you will find information about the loan originator, the Mintos credit rating, legal entity and the kind of Buyback Guarantee. Below this, you will be able to learn more about the borrower such as age, gender, purpose as well as the collateral and its asset details the below picture is a car loan, so the car model, age, engine, brand , the expected payment schedule and the investment breakdown.
The only information missing that is not yet available is how many loans the borrower already has, which could be nice to know. The Buyback Guarantee on Mintos is issued by the loan originator and almost all loans on the platform are covered with such a guarantee.
There are two things to be aware of:. The Mintos Platform is the largest European online marketplace facilitating loans from non-bank financial institutions, having more than 50 different loan originators issuing loans secured by all different kinds of assets.
This is when the assets to claim becomes important in dealing with direct investment structure, because in the end every loan is defined by the asset of which a borrower pledges collateral to secure repayments for the lender.
Unsecured lenders still has a claim against the borrower, but without any specific assets to claim if any at all.
The following assets available on Mintos as security for loans are:. The primary market for manual investing at Mintos is very comprehensive and one of the platforms with the most detailed filtering options.
It is not only possible to select specific interest rates and loan terms, but a wide range of variables: Currency, Loan type, Country, Loan Originator, Mintos Rating and if buyback guarantee or is a must or not.
Since this platform is one of the biggest platforms in the world facilitation loan originator debt, the number of available loan notes is enormous.
As of this screenshot below, there are Auto lending is available on Mintos with two different ways to approach building an automatic portfolio.
For those of you that do not want to or have the abilities to build a diversified portfolio of loans and originators, have the option of selecting between three different pre-defined strategies by Mintos :.
The Custom Investment Strategy is automatic investing with the same filtering options available when manually investing.
Choosing this approach will leave the portfolio construction up to you and let you handpick loan types, countries, loan originators and much more in the same possible on the manual primary market.
But personally found this to be quite off the tracks. Not even comparing with Mogo detailed FS. Is it something to be related to the fact that you ask additional information of every LO personally?
Otherwise, from publicly available FS, seems rather strange. Track record is even lower compared to Mogo — 12 vs 10, how has this been measured?
ESTO is very new LO being from and just in has reached its profit, while Mogo is from with steady profits throughout the years and experience in the field.
Good questions. Agrocredit only provides information once a year, which is why it does not have a good disclosure score. Your work has saved and made me money.
Is there a way to say thank you besides just writing it? Thanks MK. Thank you Oscar for your great work. I think downgrading Mogo is both courageous and very fair.
If like me one has Lendermarket and Moncera accounts, and one does not want Turkish, African or Bielorussian risk there are perhaps 3 or 4 acceptable LOs left in Mintos.
Where is Mintos going to find quality growth? Thank you. If you were to invest in only better countries and LOs but wanting of course to have also enough diversity, would e.
Hi Mike. But now is as good a time as ever to allocate funds across different sites, particularly ones that have real estate collateral like Estateguru, Bulkestate, Crowdestate.
Tax items on balance sheet are insignificant. Even looking at their audited accounts in Bulgarian, I see no funny business from taxes?
We have amended the score and noted the error in the comments. Thanks for flagging this. Creditstar is such s strange beast — Lendermarket had almost everything on time.
I managed to exit a month and a half. On Mintos it is now more than 6 months since I disabled all strategies with next to no profit and everything with delays and postpones.
P2p is a No for me in the current climate. In August rating changes you reported that Creditstar has published its results for 1H Where these can be found?
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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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.Mintos is a peer-to-peer lending marketplace. It connects retail investors with borrowers of many loan originators. Invest in loans and earn money online. On This Board; You cannot create threads.: You cannot reply to threads.: You cannot create polls. As a highly sophisticated P2P platform in Europe that connects investors with alternative lending companies, Mintos makes it possible to invest in 8 loan types across 31 countries and 12 currencies, with most loans being in Euros. No other peer-to-peer lending site offers loans from as many originators (65 at time of writing). Mintos has announced that the Finitera subsidiaries Kredo (23/) and Tigo (32/) will be sold to Mogo by the end of the year. As Kristaps Mors notes in this recent post, there are common shareholders between Mogo and Finitera (and Mintos itself). How much can you earn investing in peer-to-peer lending? See performance statistics for peer-to-peer investments made on Mintos marketplace for loans.