Crowdfunding #4 , waar 8% rente heel normaal is

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Op maandag 26 augustus 2013 20:16 schreef Tha_Duck het volgende:
MonkeyTown was weer open vandaag, blijkbaar 1 of meerderen geen geld overgemaakt. Sloebers

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Op maandag 26 augustus 2013 20:12 schreef wielerman2 het volgende:

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Zit 1 grote investeerder tussen van 50k. Klopt het dat het project 15-08 al vol zat? En hoef je dan pas 10 dagen later geld over te maken?

ps. ik ben me aan het orienteren op mooie projecten die komen. Lees veel over crowdfunding omdat ik niet over 1 nacht ijs wil gaan.

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Op maandag 26 augustus 2013 20:18 schreef wielerman2 het volgende:

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bedoel je dat bepaalde investeerders niet hebben betaald, en dat het project dan weer open gaat?
Gr uit utreg

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Op maandag 26 augustus 2013 20:18 schreef wielerman2 het volgende:

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bedoel je dat bepaalde investeerders niet hebben betaald, en dat het project dan weer open gaat?
Gr uit utreg

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Op maandag 26 augustus 2013 20:18 schreef AQuila360 het volgende:

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Kan 10 dagen zijn maar ook nog een stuk meer.

Er zitten veel stappen tussen het moment dat een project open gaat en totdat het daadwerkelijk helemaal definitief is en de terugbetalingen beginnen te lopen.

Beste is denk ik sowieso om gewoon een klein bedrag in een project te stoppen om te kijken hoe het loopt en daarna eventueel nog wat projecten te doen.

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Op maandag 26 augustus 2013 20:21 schreef wielerman2 het volgende:

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Ik heb een bepaald bedrag dat ik wil verdelen over 5 tot 8 projecten de komende maanden. Dank voor al jullie informatie.

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Op maandag 26 augustus 2013 20:14 schreef AQuila360 het volgende:

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Ik ook voor die, net gedaan/

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Op woensdag 28 augustus 2013 17:32 schreef Spaardertje het volgende:
Valt weer lekker tegen!

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Op woensdag 28 augustus 2013 19:00 schreef µ het volgende:
Zonnepanelen & duurzaamheid 004463:
Categorie: Particulier
Classificatie: B
Kredietbedrag: ¤ 14.300
Rente per jaar: 4,5%

Financiering werkkapitaal (uitvaart) 003900:
Categorie: Zakelijk
Classificatie: E
Kredietbedrag: ¤ 75.000
Rente per jaar: 10,0%
Looptijd: 36 maanden

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Op woensdag 28 augustus 2013 20:58 schreef AQuila360 het volgende:

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??

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Here's What You Should Know About Peer-To-Peer Lending, The Hottest New Investing Trend



Peer-to-peer lending is sweeping the nation.

The two biggest players in game, Lending Club and Prosper saw 195% growth over the year ending in June 30, generating more than $1.5 billion in loans.

The timing is no coincidence. In the wake of the financial crisis, the same lenders that once rolled out the red carpet for subprime borrowers started putting up all sorts of barriers to credit, effectively locking out the people who arguably needed a boost the most. Those who could get credit were hit with double-digit interest rates or driven to seek out riskier options like payday loans.

"Clearly, there was a void in consumer financing and peer to peer lending helped fill that void," says Peter Renton, who publishes a P2P lending blog called Lend Academy.

But, let's back up a minute here. What is peer-to-peer lending and why are investors going so nuts over it?

Here's a quick rundown:

P2P lending sites bridge the gap between consumers who need a loan and consumers (i.e. investors) who have the money to back them. There are no banks or credit lenders to deal with, and the interest rates are generally much lower than borrowers would get otherwise, while investors supposedly get to grow their money much faster than in traditional savings vehicles.

What does it take to qualify for a loan?

Since Lending Club and Prosper are the only big P2P players in the U.S., we'll focus on their qualifications. Before you even think about borrowing, you have to live in a state that allows it (28 states support Lending Club, 31 support Prosper). From that point, there's an application process for all interested borrowers, with qualifications varying slightly between the two sites.

Both sites require decent credit scores (640 to 660, minimum) for borrowers, which will determine one's interest rate and the risk grade they assign to a loan. Interest rates range between 6.03% and 26.03% for Lending Club and 6.04% and 31.34% for Prosper. The grade will tell investors how much risk they'll take on by lending. For example, a grade A loan will have a low interest rate and signal to investors that the borrower has a low risk of defaulting.

Loans start as low as as $1,000 or $2,000 and go up to $35,000 for each site. Loans are issued in three- or five-year term limits and borrowers must pay an origination fee (1.11% to 5% at Lending Club, 0.5% to 4.95% for Prosper). They decide how much your fee will be based on your credit score. Unless you are late on payments, there are no other fees to worry about.

What does it take to invest?

To qualify as an investor, you have to prove you've got the goods to back up your loans. That means you either A) make $70,000 in annual gross income and have a net worth of at least $70,000, or B) have a net worth of more than $250,000. You can start investments in increments as small as $25.

Investors don't pay anything to sign up but will pay 1% of their earnings per year. There are also taxes to worry about, since all gains are subject to federal income tax rates. There's a way to dodge that hurdle, however, by pumping your earnings into an IRA, where it can earn interest tax-free.

Both sites offer options to open up an IRA with a minimum of $5,000. Before you decide to take that step, you'll likely want to review your options with a financial planner.

What's in it for investors?

If you've seen interest rates lately, that's all the answer you really need. Super safe five-year U.S. Treasurys are yielding just over 1.5%, while high yield four-year junk bonds are averaging around 6.5%.

Compare that to LendingClub, where three-year B1 loans (for borrowers with FICO scores above 720) are generating 10% average annual interest rates and it's easy to see the allure.

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Op zaterdag 31 augustus 2013 09:40 schreef Tikbalang het volgende:
Dat zijn dan best wel serieuze rente bedragen die je daar als lener van kwalificatie E dan mag betalen. Met 26% rente klinkt het meer als een loansharking. Toch wel iets ander systeem daar in US dan hier zullen we maar zeggen.