Geld lenen bij Smava Het geld voor privéprojecten rechtstreeks lenen bij beleggers. Kredietplatform Smava vormt de schakel tussen beleggers en kredietnemers. Het bijzondere eraan? Wie of wat is Smava? Smava is een grote online marktplaats waar geldleners en investeerders rechtstreeks geldtransacties met elkaar kunnen afwikkelen. Men kan dus ook als investeerder op Smava optreden. Snel en gemakkelijk geld lenen Heeft u behoefte aan nieuw kapitaal om uw privéprojecten te realiseren? Smava deelt potentiële leningnemers naar kredietwaardigheidin "bonitätsklassen" in en dekt in haar concept het risico voor beleggers en kredietnemers naar evenredigheid af. De kredietbeurs stelt investeerders en kredietnemers in staat om de bij bancaire transacties gebruikelijke rentemarge tussen spaartarief en leentarief te delen. Voordelen voor kredietnemers Zo gaat het in zijn werk
Money360 – P2P Real Estate Loans Money360 offers a first in p2p lending: To my knowledge they are the first live p2p lending service applying the concept to financing real estate loans. Loan sizes are much bigger than seen before in p2p lending. Minimum loan amount is 200,000 US$, maximum is 5 million US$. The minimum a lender can invest in an individual loan is upscale too: 50,000 US$. This does fit the target audience though as only accredited investors residing in California can join as lenders. Loans are secured: Each Lender is listed with an undivided fractional interest on the promissory note and deed of trust. When the transaction is complete and the loan is closed, Money360 will receive a closing fee of 2% of the loan amount. My take on this: The size of real estate loans enables the marketplace to earn interesting fee volumes even if the number of loans is low. Depending on national market, mortgages are are difficult loan segment to establish p2p lending in, as rates are very competitive and margins are thin.
Lending Club | Start Investing Investments in Lending Club Notes can provide: Low Volatility Monthly Cash Flow Solid Returns Historical Returns by Grade A-C of 4.77% – 8.24%1 Solid Returns Lending Club Notes have Historical Returns by Grade A-C of 4.77% to 8.24% 1. You can choose the grade or grades that fit your investment goals. Monthly Cash Flow. Investors receive monthly cash payments of principal and interest. What are Prime Consumer Notes? Prime Consumer Notes are fixed-income investments that generate monthly cash flow in the form of payments of principal and interest. Quality Borrowers. We approve fewer than 10% of all loan applicants, based on stringent credit criteria designed to focus on the most creditworthy borrowers. As of March 31, 2014, the average Lending Club borrower shows the following characteristics: 700 FICO score 16.6% debt-to-income ratio (excluding mortgage) 15.5 years of credit history $72,298 personal income (top 10% of US population) 2 Average Loan Size: $13,913 We also offer:
Nat. Family Mortgage (familymortgage) The Demise of Virgin Money US It appears that earlier this month the Virgin Money US web site (www.virginmoneyus.com) shut down. It has been clear for some time that Virgin’s foray into peer to peer lending in the US was not working out the way it expected. But now it looks like they have completely pulled the plug in the US. Their web site has been down for several days now and a link to Virgin Money US has been deleted from the main Virgin Money site. The consequences of this move for borrowers and lenders is minimal. While there is no information as to the reason the site was taken down, we are left to wonder what went wrong. Not to worry. [Update: A former executive of Virgin Money US has started National Family Mortgage to facilitate home loans between family members. I expect the direct P2P lending industry to continue to thrive despite the demise of Virgin Money. Hat tip to @robgarciasj for the heads up on this one. Tagged as: Virgin Money
Loan Contract Forms, Custom Loan Agreements, and Loan Payment Tracking - LendingKarma Economist's View