P2P Kredite Plattform Swaper bietet Geldanlagen im Crowdlending Bereich. Erfahrungen Swaper, Swaper Test. Vorteile und Nachteile von. Über die P2P-Plattform Swaper können Anleger Geld in Kredite aus Polen und Spanien investieren. Dafür gibt es bis zu 16 Prozent Zinsen p.a. Jetzt in unserem. Er verrät uns, wieso er über € bei Mintos abgezogen hat, wo er noch mit wie viel investiert ist wie es mit seinem Vertrauen in P2P.
Swaper Erfahrungen und TestberichtHinter Swaper, einem Person-to-Person (P2P) Kreditportal, steckt eine lettische Finanzgruppe namens “Wandoo Finance Group” mit Sitz in Riga. Das Geschäft. Zumal Peteris ein Kenner der p2p Szene ist und seine Erfahrung in diesem Bereich unter anderem bei Twino sammeln konnte. Swaper war nicht mehr in meinen. Er verrät uns, wieso er über € bei Mintos abgezogen hat, wo er noch mit wie viel investiert ist wie es mit seinem Vertrauen in P2P.
Swaper P2p Table of contents VideoSwaper and Viainvest - My Initial Review and Experience
Wie immer Mark Ashley Supertalent man auf unserer Seite Lucky Ladyвs Charm Swaper P2p Spielen. - Swaper: Vorteile und Nachteile im ÜberblickDie Kreditverträge sammelt Mintos ebenso wie Swaper Livescoore Darlehensgebern ein. Über die P2P-Plattform Swaper können Anleger Geld in Kredite aus Polen und Spanien investieren. Dafür gibt es bis zu 16 Prozent Zinsen p.a. Jetzt in unserem. Lesen Sie hier unsere Erfahrungen & Test mit Swaper, der estnischen P2P-Plattform. ✔️ Ist Swaper ein seriöser Anbieter? Swaper Erfahrungen (): Wie schneidet die P2P Plattform ab? ✚ Testberichte & Bewertungen von Nutzern ✓ Jetzt zu Swaper & 2 Prozent Bonus kassieren! P2P Kredite Plattform Swaper bietet Geldanlagen im Crowdlending Bereich. Erfahrungen Swaper, Swaper Test. Vorteile und Nachteile von. Wie gesagt, ich investiere weiter bei Mintos und gehe davon aus, dass mein Geld dort sicher ist. Ich werde die Plattform weiter testen und euch berichten, wie meine Erfahrungen sind. Das Unternehmen vertreibt über 30 Finanzprodukte. Currencyfair bietet 45 Euro Neukundenbonus bis
The available reporting is rather basic, but will be enough for most investors. Website ergonomics. Loans duration Short-term : one month or less.
Loans kinds Individual. Buyback guarantee Buyback guarantee available. Currencies EUR — Euro. Both principal and accrued interest are covered by the guarantee.
Swaper was founded in Their office is located in Tallinn, Estonia. This is a large negative, when many competitors provide make their financial statements available : Their direct competitor Robocash is a subsidiary of Robocash Group, which provides financial statements audited by KPMG.
They show that Robocash Group has been profitable for three years. Lendermarket provides loans from Creditstar; although no financial statement is available for the platform itself, CreditStar published annual financial reports and is financially very solid.
Placet Group issues loans at Moncera. ViaInvest provides reports audited by BDO, and is also a profitable entity. Swaper will send a weekly account summary, as well as a monthly newsletter.
Early exit Early exit available. Investing methods Auto-invest. Manual investing. The auto-invest feature is really easy to configure.
Apart from that, this screen is extremely readable, as you can see in this screenshot :. The FAQ is rather complete, and seems to have been expanded recently.
Swaper provides an app, which is available for both Android and iPhone. Invest manually Display the bank account used to fund your account Withdraw money Overall, the app is well designed and provides an alternative way to follow your portfolio.
I created my Swaper portfolio in February Location Marupe, Latvia. Therefore the business activities of Swaper do not fall under the supervision of any Financial Supervisory Authority.
Your investments are not guaranteed in any way. In December Wandoo started its operations with headquarters in Latvia. Loans are sold to Swaper based on assignment agreements concluded between Swaper and loan originators.
Following the assignment loans are placed on the Swaper platform that makes these loans available to investors. This permits the Group to earn sufficient funds to offer loans with a BuyBack.
In case of a BuyBack investors are compensated for their invested principal and accrued interest, in case the borrower is more than 30 days late with the loan repayment.
Wandoo in Poland was established in July and offering consumer financing to the customers in Poland. Wandoo in Spain was established in April and offers consumer loans in Spain.
I always try to use such banks to avoid the fees and hassles of traditional banks. Marina is the guru of all financial and legal matters.
She is hard working and a real team player. In daily basis Marina maintains the connection between Swaper and its loan originators as well as business partners.
Marina is in her mid-thirties and has spent her whole career in finance, and still acts as CFO of software company Neotech. You want to liquidate all your loan investments and put them somewhere else.
Instead of re-investing, the money will accumulate in your account and you can withdraw whenever you want. You prefer manual investing and want to have control over where your money is invested.
Once your loan terms are up, the money sits in your account and you manually reinvest into your preferred loans. Is P2P investing passive income?
Can you earn a decent peer to peer monthly income? The short answer is: YES! Keen to get started? Create an account with Swaper here Disclaimer: The information contained on this website is not intended as, and shall not be understood or construed as, financial advice.
November 23, 2 Comments. Either way, this means that you are protected from a loss — both in terms of the principal amount and the interest.
This operates in a similar nature to a reserve pot, insofar that Swaper will hold a certain amount of funds in reserve to cover potential defaults.
However — and as is the case with any reserve pot or provisional fund, the pot can only extend so far.
As is the case with any investment platform, you need to make some serious considerations on the potential risks. This is especially the case with a peer-to-peer platform like Swaper that offers loans to the consumer marketplace.
This tells us two key pieces of information that Swaper does not expand upon. As you might well know, payday loans that come with super-high interest rates are typically taken out by those with bad credit.
This in itself presents a high risk, insofar that the type of borrowers that use Wandoo Finance Group are more likely to default.
On the flip side, it is also important to mention that the large disparity in the interest commanded by Wandoo Finance Group, and the interest that Swaper pays you as an investor, is huge.
On the other hand, as neither Swaper nor Wandoo Finance Group publishes their accounts publically, there is no way of knowing the health of their balance sheets.
This means that you will have a legal right on the outstanding loans you have backed, even if Swaper ceased to exist. One of the stand out features of using Swaper is that you will not be charged any fees to make an investment.
Ordinarily, peer-to-peer loan platforms operating in the space will charge fees on a number of fronts. This could come in the form of a percentage charge when you make an investment, or a percentage of the profits that you make.
In other instances, you might even be required to pay an annual maintenance fee, which is based on the amount you have invested at the platform.
However, none of these charges are in existence at Swaper, which is great. This is likely because of the huge markups that Swaper and its parent company Wandoo Finance Group makes on the loans it issues.
This allows you to list your outstanding investments for sale to other investors. This is based on market forces, so there is no knowing how much you will be able to get your investment, nor whether or not anyone will want to buy them.
It is also notable that you have the option of selling all of your investment, or some of it. This is handy if you want to keep hold of your potential gains, and simply release enough funds to cover what you need.
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