Seit vielen Jahren nutzen wir die P2P-Plattform Bondora. Hier erfährst du unsere ehrlichen Bondora-Erfahrungen – immer aktuell. Wenn es um P2P-Kredite geht, steht Bondora auf Platz 2 in Europa. Nur Mintos ist weiter vorne. Mittlerweile investieren mehr als Bondora ist eine P2P-Plattform aus Estland, die schon gegründet wurde. Damals begann Gründer Pärtel Tomberg in den Ausläufern der.
Bondora-Erfahrungen: So läuft unser Langzeittest auf der P2P-PlattformBondora gehört neben Mintos zu den beliebtesten Plattformen bei den P2P Investoren. Bei Go and Grow bin ich schon von Beginn an dabei. Und nach meinem. Verdienen Sie jetzt eine Rendite von 9 Prozent bei einem breitgestreuten Risiko. Investoren haben bereits Millionen Euro auf Bondora investiert. Über die P2P-Plattform Bondora können Anleger Geld in Kreditprojekte aus Estland, Spanien und Finnland investieren. ▷ Jetzt in unserem Test informieren.
P2p Bondora Post navigation Video1.000€ Experiment - Mintos Invest \u0026 Access vs. Bondora Go \u0026 Grow Auch das Verhältnis dazu ist dort komplett anders. Ich bin mit Bondora sehr zufrieden. Zusätzlich dazu beleuchte ich noch mal ein Fotbal Live Dinge aus meiner Bondora Erfahrung, die vielleicht für dich hilfreich sein könnten. Heute wollte ich Premier-League meinen seinerzeit eingezahlten
Bondora is one of the leading non-bank digital consumer loan providers in Continental Europe. Bondora finances the loans it originates by selling the associated receivables to a retail investor base drawn from 40 countries around the world.
The platform is accessible to most investors based in Europe, and they are currently serving loans in Estonia, Finland, and Spain. Here is a short overview of the benefits which Bondora platform offers to its investors:.
Opening an account with Bondora is straightforward. You will need to provide your names, email address, and phone number. As with any other P2P and crowdfunding platform, to open an account with Bondora is entirely free.
The first thing you need to do is to open an account on their website, which is free. This process takes less than minutes, including the step where you will be asked to verify your identity.
Remember that as with any investing platform — no matter if it is P2P, crowdsourcing, crowdfunding, stocks, or crypto, you will be asked to verify your identity in order to prove that you are a real person and you are not trying to launder money.
Once your account is created and verified, which usually happens immediately, you can then browse loans that are available on the platform to get a good sense of the platform.
To make your first investment, you will need to make a deposit first. You will be provided with four options, but I will show you how to do so in the next section.
Except for the high returns on your investments, another reason to start using Bondora is that it offers several ways to maximize your income, through sign-up bonuses.
If you sign up directly on Bondora. The transfer is usually rapid. I also use Paysera. They offer one of the best and fastest services for SEPA transfers.
Once, my deposit to Bondora was received in 9 seconds! Bondora offers two different types of products with different risk profiles.
The primary market is using the direct investment structure, which means that investors are lending directly to the borrower.
You just have to activate that strategy within your account. This is very cool as you can rename them. Bondora has a relatively high liquid secondary market where investors can buy and sell loans to each other.
Investors can choose to trade either whole portfolios or single loans. Before using the secondary market, investors must agree to the Secondary Market Settings.
Investors are able to track returns on a daily basis, and investments can be liquidated at any time. The investment is catered for people looking for lower-risk, fast liquidity and automated features.
Find my full review of Go and Grow here. Bondora was one of the first platforms I invested through, due to their high rate of return and small initial investment amount.
They are consistently producing the highest returns in my portfolio see my returns. I am, however, diversifying through other European platforms that have more systems in place to guarantee returns.
Tread carefully with this platform. It may require you to be more active with management than other platforms throughout Europe.
Bondora offers a competitive affiliate program, which rewards both the referring investor and the new investor with a bonus. This is paid for by Bondora.
No money from the new investor will be passed to the referring investor. The calculation of the reward to both the new and referring investor will be done after 30 days from the registration date.
More on the terms and conditions can be found here. Please note: Before investing in anything do your own due diligence and research.
Nothing in this article is financial advice. Just one man trying to share his working and investing experiences! Check your inbox or spam folder to confirm your subscription.
Your email address will not be published. With the current global situation, it is better to be cautious and assess the data once it is available rather than target exponential growth.
As a business, we do not need to generate enormous growth in our key metrics every year to stay afloat. If we choose to decrease our originations, our operating costs decrease in line with this.
Will you restart lending in Finland and Spain? Instead partial payouts were enacted for withdrawals. I understand the situation is back to normal with instant payouts again, but can you please share looking back what it meant for your investors and how they reacted to this measure?
This was a necessary measure built into the product from day 1. When partial payouts were active, I read through hundreds of support tickets, social media comments and forums to try and grasp the overall reaction investors had.
Most understood why we activated this feature and why it was critical to the sustainability of the product. Investors would not continue to use Bondora if they did not trust us and see us as a sustainable company.
Where is the money from this buffer kept? Is it sitting in a bank account, meaning the buffer does not generate any interest?
Of course, this may change based on daily withdrawals and money received. One point of critic several investors have mentioned is the way Bondora treats late loans for calculating the net return figures in the investor dashboard.
Only the amount of the overdue instalment rate is treated as late for this purpose not the whole outstanding loan amount. Critics feel that this leads to overly positive displayed net return figures creating expectations which are later deflated once the portfolio matures and the return calculations are lowered.
What is your opinion on that and are there any plans to change the calculation method? Overall, we have no plans to make any changes to our calculation methods.
Treating the whole outstanding loan amount as late would also have its limitations. Does that mean that investors investing at that time incurred losses or how is that graph to be read?
Typically, most portfolios are made up of a range of different loan durations from different cohorts. We publish this graph simply to give full transparency and visualize information on the data we publish in our public reports.
Looking forward, do you expect default levels to rise on your consumer loans in Spain, Finland and Estonia in the remaining months of and as a result of the economic fallout of the COVID crisis?
So far, our portfolio data does not suggest a trend of rising defaults. Again, this is why we made the decision to reduce our originations throughout the crisis period as a precautionary measure.
My opinion is that although events this year with other smaller platforms have cast a negative light on the industry, there is a silver lining.
Events like this can offer trigger expedited financial regulation due to the need for some form of consumer protection being brought into the public eye.
We have always been in favour of pan-European regulation for P2P lending, and continue to work with regulators in support of this.
Yes, we have been profitable for three years. Final note — Thank you to all of our investors who have continued to support us over the years.
We are looking forward to when the world is back to normal and we can welcome you in our office again. Not only the stock markets, but also the p2p lending sector is heavily impacted by the current coronavirus situation.
Some screenshots of the slides shown are at the end of this post. About Mintos investors were watching and I think they highly appreciated the time and effort Mintos took to communicate.
CEO Martins Sulte spent over 45 minutes answering questions. And there are a lot of questions investors have in times like these.
My take is, that the biggest trend we saw in p2p lending in the past week is the hunger for liquidity. Both on the investor side as on the loan originator side on those marketplaces that work with loan originators.
Of these. So even in this small, non-representative poll nearly half the investors are saying they are withdrawing money. In the current situation most investors in the discussion seem to assume that elevated risks come by the potential inability of borrowers to repay the loans, due to economic downturn.
That may well be, but would impact the yield mid- or long-term weeks or months. In my view there are two very short-term risks that many investors overlook:.
An industry insider I spoke to said he would expect at least loan originators to fail short term. The two cited short term problems are especially a concern on those p2p lending market places that operate with loan originators.
The platforms have reacted by four ways: communication, temporarily suspending borrower repayment requirement especially SME loans, e.
Below are screenshots of some of the slides shown in the Mintos webinar today:. European p2p lending services are growing. The advantage for the investor is they can passively make money and earn up to 6.
In doing so, Bondora ensures that the selected risks in lending correspond to the expected return. Thus, the investor can flexibly transfer his money back to a savings account.
At the other end of the spectrum, technically-savvy investors are able to write their own program and connect to our API.
You'll need some technical skills with any common coding language to be able to do this. Plus we have Portfolio Manager and Portfolio Pro in between.
My point is, no matter what your own personal strategy and experience is, you're able to invest with Bondora.
Our track record and over the past 10 years gives investors' confidence, because let's face it, P2P platforms are still relatively new to the market - with the majority of platforms in the industry launching in the past few years or so.
Insolvency is of course always a risk investors should be aware of. However a track record of operations and interest paid out to investors certainly builds trust.
Building on the simplicity of our platform, we've recently launched in 24 European languages. Despite already having investors from 85 countries around the world, we've seen customers join us from all over Europe in the past 12 months.
It's much easier for people to use something that's in their own native language, so we partnered with existing Bondora customers and agencies from 24 European countries to help us offer this service.
We're consistently looking to improve and build a service anyone can benefit from. About the Author: Alexander is an investor, trader, and founder of daytradingz.
After devoting many years to educating himself on powerful day trading techniques and effective investment styles, he started trading and investing more actively.
In the past 20 years, he has executed thousands of trades.