Mintos, Lettland, 10€, 12,5%, Zu Mintos». Bondora, Bondora logo, Estland, 1€, 9,9%, Zu Bondora». EstateGuru, EstateGuru, Estland, 50€, 11,8. Doch welche Plattform ist die bessere: Bondora oder Mintos? In diesem Beitrag möchte ich die Vor- und Nachteile beider Plattformen beleuchten. Ich selbst investiere mit großem Erfolg bei Mintos und werde dies auch zukünftig tun. 19 Gedanken zu „p2p Kredite Vergleich – Mintos, Twino, Bondora, Viventor &.
„Invest & Access“ von Mintos vs. Bondora „Go & Grow“Es ist unter Umständen nicht möglich, Vermögenswerte von Go & Grow sofort zu liquidieren oder Geld sofort abzuheben. In diesem Fall werden wir. Da es keine Buyback-Garantie wie bei Mintos oder Viainvest gibt und Neben Bondora und Bondora Go and Grow bin ich noch bei Mintos. Mintos Invest & Access oder Bondora Go & Grow). Bei diesen Portfolios übernimmt der Plattform Betreiber das.
Bondora Vs Mintos Is it ethical to invest in P2P lending? VideoMintos Invest \u0026 Access vs. Bondora Go \u0026 Grow after 3 Months - 1.000€ Experiment
The borrower cannot repay the 10 EUR. If you do not have a buyback guarantee you would have lost the investment. But, with a buyback guarantee, the loan originator issues a guarantee to repurchase the loan.
This happens when the payment is delayed by more than 60 days. The loan is bought back from the investor with the value of the outstanding principal — including accrued interest income.
This means you still get the expected return up until that date and can re-invest the money into a new loan. I like this concept as it shifts risk from you to the loan originator.
It will always invest in this product before investing in your autoinvest strategies. The strategy is set up to be fully diversified across the marketplace.
First, you can always withdraw your money under normal market conditions. I tested out the product for EUR, and my conclusion is clear.
The returns are simply not as good as when I autoinvest myself. Investing in financial assets always comes at a risk.
First, you need to secure your account. Remember to activate two-factor authentication to keep other people from accessing your account.
There are in general six risks when you should aware of when investing in Mintos:. However, I believe it is important you are aware of the potential risks if you decide to invest.
In general, for all assets, you should not invest if you cannot afford to lose your investments.
On Mintos, I would always recommend diversifying your investments across many loan originators. You should also use Mintos Ratings to get a credit rating for each loan originator to lower your risk.
So, now that you know there are risks associated with investing in Mintos, you should know about Mintos risk ratings.
Mintos risk ratings are a great tool to get some transparency on the risks you are facing investing in different loan originators.
Mintos was the first P2P lending platform in Europe to introduce loan originator credit ratings. I like this feature because it gives me much more transparency about my investments.
It also allows me to deselect certain loan originators that carry too much risk. I use the Mintos risk ratings to filter out the loan originators carrying the highest risk.
Keep in mind that you need to update your autoinvest strategy if Mintos changes the rating of a loan originator. If you previously had an autoinvest strategy that allowed B- investments, but not C investments, you should remove Rapido Finance from your autoinvest strategy.
You never know what your money is funding through the loans. It could be ultra-high interest loans to weak borrowers or unethical businesses.
However, on Mintos, you have the opportunity to set a limit on the borrower APR. This means you do not invest in loans where borrowers pay higher interest than you dictate.
I use this feature for my investments. For other ethical aspects, I have chosen to put my faith in the EU authorities and regulations.
Enough with all the details. Investing with Mintos has a few advantages, but there are also some negative aspects compared to other platforms.
I feel both are important to mention in this review. All in all, the advantages outweigh the disadvantages for me. You should, of course, do your research to make sure Mintos is a good option for you.
Mintos review conclusion. As you might have sensed in this review, I have been very happy with my investments in Mintos so far.
The platform is sound and returns have been great. Most importantly, I feel my investment is safe with multiple diversification opportunities.
Mintos is my top choice for new and experienced P2P investors alike. New investors will be able to get started while experienced investors will have the most advanced platform available.
The only concern I have is whether they can keep up the returns in the long term. It is not keeping me from investing in Mintos yet.
I am testing out other platforms at the moment to see how much returns will differ in the months and years to come. Does Mintos sound like something for you?
I have made a deal with them which gives you a 0. If you sign up directly on Mintos. Mintos changed its policy on November 18, , for all affiliates.
Skillion Ventures is the Venture Capital group behind the growth of Mintos. Mintos is a company registered in Latvia since I searched the registry and here is what I found out:.
Mintos is regularly publishing its financial results on the investor relations page. If you like numbers and charts the last report is available to download here.
The lenders on Mintos are the ones who are obliged to buy back my loans as soon as any payment is delayed more than 60 days.
How safe is Mintos buyback? I had my loans smoothly bought back a thousand times, so I can say: Mintos Buyback works.
What I like to be careful about is the reliability of the lender. It is the one who is entitled to refund my money when borrowers slow down their payments.
Most lenders on Mintos are big, established and transparent. I like to be always on the safe side, so I avoid the smallest, the newest and the less transparent lenders.
Too many choices, filters, jargon. It approximately works like this: I auto-invest on loans that are about to be bought back.
Here I make sure to buy some late loans from certain lenders. It worked well in the past, giving a little boost to my performance. Not losing money is my priority when investing.
This is why I set up this portfolio with the aim to resist to an economic slowdown and possibly to avoid major issues in the future. Some zero-point-something extra yield may not be making that huge difference, and safer is always better.
See Mintos with your own eyes. In truth, now I am the kind of investor …I would have liked to speak to before starting myself with Mintos.
Who the hell is RevenueLand? As I said, my point of view about Mintos is built around my active use of all of its features over time.
I really put my heart in writing this. This is not some computer-generated content. If you feel this is useful to you, say thank you now by sharing it!
This way is easy to check if the team has a background in the field required. In this team picture men outnumber women.
In Latvia Women outnumber men source: UN. This is Mintos on Crunchbase. And here is the official profile of Mintos on Linkedin. BTW, Mintos is hiring!
This is the official email to apply: HR at Mintos. Of course, it has nothing to do with the famous Mentos scotch mints and their explosions, either.
Mintos ratings on this consumers reviews website are really good but, should we trust it? To be honest I believe having good ratings on this website is absolutely a good sign but, beware of who is writing.
The average reviewer might not be an expert when it comes to complex tools like this, or simply his opinion comes too early to say if he is a happy user or not because P2P lending is a long term stuff.
There are a few Mintos bad reviews, so I went straight to read the worst Mintos reviews! Here is the last one:. Since I know cashback codes may not work, I prepared a list of updated P2P bonus my readers can use or save.
Other complaints are mostly from UK residents that lately have been prevented to add funds to their Mintos account.
The average Mintos review is undoubtedly good. This is for many reasons, and one is that Mintos is simply performing as a good tool, no bad surprises, and authors are happy with it.
There are so many discussions on forums about Mintos that you could spend two days on it and understand nothing.
Everybody is different and the perception of the risk id tolerated in different ways. Only some specialized P2P forum have contributors that have been long time investors on Mintos and can talk.
All the rest is noise. Mintos is definitely well known on forums. There is a lot of discussion going on on forums since Mintos is one of the most popular P2P ever.
Beware of who is writing before taking any decision about your finances, since anyone can contribute to financial forums.
Specialized forums are usually much more reliable compared to general forums. Mintos is famous on P2P forums also among the most experienced investors who want to bring frequent changes in their portfolios.
I tried, it works. In the Invest and Access there are loans, so nothing changes, this is P2P investing. Yes, money is invested and accessible at the same time.
I have performed some tests on Invest and Access to see if the money was instantly available. Dadurch gewinnst Du enorm an Flexibilität.
Ein Sekundärmarkt existiert bei Bondora genauso wie bei Mintos. Diesen muss man allerdings erst freischalten, um ihn nutzen zu können.
Beide Plattformen überzeugen durch viele Einstellungsmöglichkeiten und Tools zur Automatisierung.
Auch wenn mir die Entscheidung hier schwer fällt: Der Punkt geht in dieser Kategorie knapp an Mintos. In Runde drei werfen wir einen genaueren Blick auf die Diversifizierungsmöglichkeiten.
Genauer dreht sich hier alles um die Produktvielfalt. Die Antwort liefert diese Runde im Kampf Bondora vs. Viele verschiedene Kreditgeber Stand Oktober sind es unglaubliche 60 Stück bieten hier tausende von P2P Krediten in verschiedenen Währungen aus verschiedenen Ländern zum Investieren an.
Auch in Sachen Kredittyp hat der Investor im wahrsten Sinne des Wortes die Qual der Wahl und kann beispielsweise zwischen Autodarlehen, Immobiliendarlehen, Geschäftskrediten und vielem mehr wählen.
Einzig verschiedene Währungen werden hier nicht angeboten, was meiner Meinung nach allerdings nicht wirklich als Nachteil zu sehen ist.
Beide Plattformen überzeugen durch ein breites Spektrum an verschiedenen Krediten. Bei beiden lässt sich sinnvoll über Kreditgeber, Länder und Kreditnehmer diversifizieren.
Nicht nur die Sicherheit des Geldes, das Du auf eine P2P Plattform transferierst, sondern auch das Ausfallrisiko eines Kredits soll hier beleuchtet werden.
Hier sind also keine unangenehmen Auffälligkeiten festzustellen. Auch die Sicherheit das Investieren betreffend ist bei Mintos sehr positiv hervorzuheben da die Plattform eine der wenigen ist, auf der eine sogenannte Rückkaufgarantie zur Verfügung steht.
Und das wohlgemerkt inklusive Zinsen. Obwohl diese Rückkaufgarantie ohne Zweifel eine sehr tolle Sache ist und bislang hervorragend funktioniert, hat das System jedoch noch keine Finanzkrise durchlebt.
Wie sich die Rückkaufgarantie im Falle eines solchen Szenarios schlägt ist also bislang unbekannt. All loans on IUVO are covered by the buyback guarantee.
It comes into play after 16, 30 or 60 days of delay, depending on terms. Their business model is undoubtedly similar to that of mintos.
IUVO does not have loans of its own as Bondora does. On IUVO there is a common self-invest that works well. There is also the opportunity to invest in different currencies of the euro but this is always a risky operation.
Investing in foreign currencies adds a layer of uncontrollable complexity to the already risky investment in loans. Loans in euros already make enough money and there is no need to be greedy.
Peerberry , Mintos. The reason for this is that all loans on Estateguru are secured by real estate. Estateguru does not issue loans of any kind, has none and offers no guarantees of its own.
Its task is to connect real estate loans and private investors. You can find my way on my brand-new blog planbesser.
Viac and Neon have been great choices before. Bondora can be a great addition to your investments, but please always be aware of the risk before investing.
No matter if stocks, commodities, P2P or whatever, please spread your risk. Your blog looks exciting and I wish you success for the project!
Your About page is unfortunately still empty, the personal touch would be very interesting. Save my name, email, and website in this browser for the next time I comment.
Skip to content. Bondora experience report Review after 3 years of P2P investments. What awaits you. What is Bondora and how does a P2P investment work?
Advantages of Bondora. Negative Bondora experience? How Bondora is dealing with the Corona crisis. Portfolio Pro.
Bondora vs. Secure premium and starting credit. Diversification: 1. Bondora spreads your investment across many loans. This reduces your risk.
Bondora is digital and fully automated. This makes it easy for investors and ensures functionality at all times. Established Founded in the financial crisis of and also in Corona times there are no delays or problems so far.
How exactly Bondora is dealing with the crisis you can find out in the video below. No German hotline: Bondora is trying to serve more and more languages and German is at the forefront.
The platform is of course accessible in German, but the customer hotline is not yet. But we have never needed it in 3 years. At Mintos you can see many details about every single loan.
We don't care about that, because we give out a maximum of a few Euros per loan and therefore we are not interested in where the borrower comes from and what he does with the few Euros as long as he pays back.
But the platforms take care of the demand for repayment. There's this quote by Warren Buffett: "You can't see who swam without their bathing suit until the water is out of the pool.
Bondora Estonia. Call money function. Test winner. Mintos Latvia. No call money Function. Conclusion Bondora offers very innovative investment opportunities that are second to none.Sind P2P Kredite wirklich seriös? Geldanlage in Aktien. You have to activate the Auto-Transfer feature in order to have a fully automatized investment flow. The new system is a numerical scale: low riskmid riskWww Mahjong Spiele high risk Enter platforms separated by spaces or press enter.