Mintos Test

Review of: Mintos Test

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On 13.07.2020
Last modified:13.07.2020

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Mintos Test

Alles über den P2P Kredite Anbieter Mintos: Erfahrungen, Test, Vergleich und Risiken. Ist Mintos seriös? Mit Mintos in P2P Lending investieren. Im Mintos Testbericht sind uns viele Aspekte positiv aufgefallen, die P2P Plattformen aus Deutschland so nicht haben, wie zum Beispiel eine Rückkaufgarantie. Willst du erfahren, wie du erfolgreich bei Mintos investieren kannst? Dann bist du hier genau richtig! Ich gebe dir in diesem Beitrag die.

Mintos Erfahrungen

Im Mintos Testbericht sind uns viele Aspekte positiv aufgefallen, die P2P Plattformen aus Deutschland so nicht haben, wie zum Beispiel eine Rückkaufgarantie. illinoishelmetproject.com​passives-einkommen/ TimeStamp: [] Zusammenfassung [] Disclaimer. Wenn sich Gelder in Rückerforderung befinden, so heißt dies, dass der Darlehensanbahner, welcher den Kredit vergeben hat, auf Mintos suspendiert ist.

Mintos Test 4 simple rules to reduce risk on Mintos Video

Mintos : Arnaque ou opportunité ? (Avis et Test)

Mintos Test How much can you earn investing in peer-to-peer lending? See performance statistics for peer-to-peer investments made on Mintos marketplace for loans. Mintos started operating in , but has experienced rapid growth due to getting a lot of things right and becoming popular with financial bloggers due to its ease of use and transparency. Mintos has raised a total of € 7 million – € 2 million seed funding in and € 5 million Series A funding in Mintos makes P2P investing easy. Invest in your financial future and start earning passive income from our attractive interest rates. Mintos was the second Peer-to-Peer lending platform I ever invested in, and now over four years later it is time to make a detailed review of the platform & show you the current state of my Mintos Peer-to-Peer lending portfolio. Essentially, the Mintos rating is made to make it easier for the average investor to understand the risk associated with a Mintos loan originator of a specific loan on the marketplace. If a loan originator has a bad rating, there could be a higher chance that they will not be able to fulfill their obligations like buying back loans with the buyback guarantee. Komme also auch nicht an How To Play Jacks Or Better eigenes Geld. Top 5 Aktien Depots 1. Dort konnte ich verschiedene Angaben zu meinen "Lieblingskrediten" machen und Mintos investiert mein Geld automatisch in die passenden Kredite. Ich blieb auf der Seite Mintos, da diese sehr übersichtlich gestaltet ist und die Kontoeröffnung innerhalb einer Viertelstunde funktionierte. Über die P2P-Plattform Mintos können Anleger Geld in Kreditprojekte aus Osteuropa und anderen Ländern investieren. ▷ Jetzt in unserem Test informieren. Alles über den P2P Kredite Anbieter Mintos: Erfahrungen, Test, Vergleich und Risiken. Ist Mintos seriös? Mit Mintos in P2P Lending investieren. Mintos Erfahrung # Negative Bewertung von Anonym am Ich hatte € vor genau 1 Jahr als Test angelegt. Mintos Test & Erfahrungen. Mintos ist die größte P2P-Plattformen in Europa. Obwohl die Plattform erst im Jahr gegründet wurde, liegen die. I am yet to receive an answer from Mintos about this but wonder if anyone else had this issue. If you have some money you want to withdraw invested in P2P loans, you must first sell them on Mintos secondary marketplace. Zwar haben wir bisher keine negativen Mintos Erfahrungen diesbezüglich gemacht. Doch das ist nicht ganz richtig. One of the great things about Mintos is the buyback guarantee. If a Mintos Test originator has a bad rating, there could be a higher chance that they will not be able to fulfill their obligations like buying back loans with the buyback guarantee. Es bestehen auf der Plattform viele Möglichkeiten, um das Ausfallrisiko entsprechend zu streuen. Für Investitionen auf dem Primärmarkt fallen keine Gebühren an. Nämlich dann, wenn auch der Darlehensanbahner nicht mehr zahlen kann. You can find more information about the strategies on their website. Online Casino Codes liegt die komplette Verantwortung für das Kreditgeschäft beim Kreditgeber. This Automatenspiele Kostenlos Book Of Ra huge compared to most other P2P platforms out there today.

Ist ein Lockmittel von Mintos aber wie ich schmerzhaft feststellen musste fallen hier immer mehr Kredite aus. Tritt man dann mit dem Unternehmen in Kontakt, so erhält man als erste eine Standardantwort obwohl mam schon mit einem richtigen Support Menschen schreibt!

Eine absulute Sauerei ist das. Die angegebenen Zinsen entsprechen nicht der Realität. Auch diese Statistik wird von Mintos schöngefärt.

Dafür eigent sich diese P2P Platform Mintos bestens! Ist nur noch eine Frage der Zeit! Herzlichen Dank für diese Offenheit!

Und mein Bedauern über die gescheiterte Investition, die hoffentlich nicht zu hoch ausgefallen ist. Ich habe jetzt auch erst einmal einen niedrigen 4 stelligen Betrag investiert in Auto Invest mit Rückkaufgarantie.

Es sind sofort Kredite im Verzug, aber hier sollte ich das Geld nach 60 Tagen trotzdem bekommen. Bin mir allerdings wirklich nicht sicher, ob es ein Schneeballsystem ist.

Solange die Einzahlungen steigend sind sollten die hohen Renditen funktionieren auch wenn es eines ist. Aber wenn diese nicht mehr steigen, dann sollten man schnellstens sein Geld sicherheitshalber abziehen und auszahlen lassen.

Wie man dies prüft habe ich noch nicht herausgefunden. Du kannst deine Anteile nur verkaufen, wenn es einen Käufer gibt. Ansonsten erhältst Du dein Geld erst, wenn der Kredit ausgelaufen ist.

Die hohe Rendite sagt nichts aus. Ich habe in Polen investiert und der Kreditgeber ist trotz einer kleinen Rendite Pleite gegangen.

Zum Glück habe ich das durch auffällig viele Rückkäufe kommen gesehen. Nun ist es im Kosovo zum Finanzdienstleister Entzug gekommen. Mal sehen Wieviel Geld hier verbrannt wird.

Bin auch bei Mintos investiert. Sehr übersichtlich und sehr selbsterklärend. Die Rendite und die Rückkaufsicherung spricht für sich und die Beliebtheit scheinbar.

The secondary market on Mintos is huge about the same size as the primary market. A lot of people try to make extra profits by selling loans with a mark-up, or to sell with a discount that is smaller than the cashback they just received.

If you wish to sell your investments and cash in before your loans reaches maturity you can do so on the secondary market. Due to the sheer number of loans available you might have to give a small discount to get any attention from other investors.

Unless you have been able to get some high interest loans, those might be able to score you a nice premium. The rapid expansion and addition of new loan originators over the years is quite impressive.

Investors have to do a lot of research before adding any new originators to auto-invest. The biggest plus about Mintos is probably all the options you have for diversifying your investments.

You have to select and adjust your strategy as new originators join, when new campaigns arrive or when interest rates change due to market competition.

Or you might miss out on higher interest loans if you set the bar too low. That said, I only spend about 30 minutes on a monthly basis, which is not much compared to what I get in return.

They have a really well working platform and good support as well. Mintos gives you an exclusive 0. Are you already an investor at Mintos?

If so, please share your thoughts on the platform in the comments section below. Does it meet you expectations? Are you satisfied with the returns?

Do you try to diversify as much as possible, or do you prefer to invest in a few loan originators? How much of your portfolio would you be willing to invest into a P2P platform like this?

A question on Mintos — what is your view on the short-term loans? Any reason why we should invest in anything different?

Only reason to invest in something different is if you want more diversification in your portfolio. Yes, this risk always exists, both for short and long term.

Currently there are originators offering such loans which seems good to me. A recent case I had was a short term loan which was returned in a day but technically the money were away from my account for 2 days.

The interest paid was for only 1 day. Have you had any similar observations? You should receive interest for for every full day that you have the loan.

I have been looking for a source of inspiration to start my investment journey and eventually I found your amazing blog.

That would give me experience of each of platform and it would be easier to decide which platform deserves my money next month.

Thanks for your post, really useful from my point of view. I just have a doubt. What I understand from the Mintos net annual return If I understand correctly the numbers, this means that: 1.

If you want to do like me, only select the originators with YES in this column. Let say, there is a scenario when no loans match your filter on Auto-Invest settings and then one appears.

I am wondering which investor gets priority when multiple investors match a new loan on the sale? Thanks for this article useful.

I have been using Mintos for 3 months, and have Very good platform, and easy to use. I recommend! Hi, is it worth attention?

The feature quickly became very popular, and a lot of other crowdfunding platforms later implemented similar features. However, to this day Mintos still have one of the best secondary markets in the industry.

Some investors have been able to sell millions of Euro worth of loans in just a few days on the secondary market.

So if you want to sell a smaller portfolio of loans then it should not take long. It is really easy to buy and sell loans in the secondary market. If you would like to buy a loan there, you can find the secondary market as shown above on Mintos website.

Here you can find exactly the loans you want to buy through various filters. Some investors try to find good deals in the secondary marketplace, but we do not recommend that you do it manually as it can be a very time-consuming process.

In Mintos secondary market, it is possible to invest via auto-invest in the same way as you can in their primary market.

In our opinion, it makes much more sense, since you do not have to spend hours manually selecting the loans. If you want to sell your loans, then the secondary market is a great tool.

Here you can sell the loans you own in a very short time. You can either choose to sell individual loans or sell all your loans at once.

You should be aware that there is a 0. The fee only applies if you are a seller and not if you are a buyer.

If you need cash quickly, you may want to consider selling your loans at a small discount. Then they will be picked up more quickly by investors looking for a bargain.

At Mintos, it is possible to sell and buy loans with discounts, at par value, or with a premium on the secondary marketplace.

Below you can see how the loans are typically distributed:. As you can see, most loans on the secondary marketplace are sold at a discount. However, you can use this to your advantage by buying up a lot of bargains.

In March , the platform established a dedicated Mintos team containing 11 persons for developing an app for the investors. In December , a beta version for iOS was released, and later, in January , the Android version followed.

With the release of a mobile application, Mintos aims to make it easier than ever to invest in loans from its marketplace. At this point in time, not all features you can find on the website are yet available on the mobile application.

However, Mintos is currently working towards implementing more of the web features on the app. But at the time being, many investment features are not available for mobile.

And even if you want to use the Mintos mobile app, you will still have to sign up via the website first. Another feature we think should be mentioned in this Mintos review is the risk ratings on the platform.

In , Mintos became the first P2P lending platform in Europe to introduce loan originator credit ratings. So whether you deal with loans on the primary market, the secondary, or when you are making use of the auto-invest features on the platform, you will quickly notice a risk rating connected to the loan originator of the respective P2P loan.

Essentially, the Mintos rating is made to make it easier for the average investor to understand the risk associated with a Mintos loan originator of a specific loan on the marketplace.

If a loan originator has a bad rating, there could be a higher chance that they will not be able to fulfill their obligations like buying back loans with the buyback guarantee.

The rating is based on a specific assessment methodology conducted by Mintos. The methodology contains five main areas which are operating environment, company profile, management and strategy, risk appetite, and financial profile.

This methodology is very similar to how credit rating agencies like Fitch rate investments. In this part of the risk rating, Mintos take a look at the regulatory environment surrounding the lending company.

Here, effective regulatory institutions and law enforcement are viewed positively. Here, factors such as market position, product offering, and organizational structure are assessed.

When considering the management and strategy, Mintos looks at the experience of the management in the company as well as their track record.

Other factors like budgeting quality, timeliness, and transparency are also assessed. Here, factors such as underwriting standards, market risk, and risk controls like usage of credit bureaus are assessed.

This is naturally one of the most important parts of the rating due to the fact that a company with a bad financial position can impose a lot of risk to the investors.

When Mintos assess the financial profile of a company, they do so by looking at loan portfolio metrics such as the amount of non-performing loans.

They also look at the overall profitability of the company as well as factors like leverage, funding, and liquidity. According to the assessment methodology, roughly speaking, the loans with low risk should be safer than the loans with moderate risk, and so on.

So before you start investing in P2P loans with high risk on the platform, we highly recommend that you think about your own risk tolerance.

You might benefit from looking at the image above before making various investments and auto-invest strategies on the platform. As the old saying goes, there are only two certainties in life; death and taxes.

In the following part of this review, we will touch a bit on the latter in regard to Mintos. One of the main concerns of investors wanting to do P2P lending is how difficult it really is to do taxes of the returns.

The reason for that is loans in grace period are not technically late, yet. They will eventually become late after grace period ends. On another note, I think it would be interesting to calculate the impact the grace period has on the final return.

Anyway, the Mintos Helper will be useful in this case as well, as you can filter out those originators with a high grace period.

Well, I guess this is a no brainer, but still good to mention it. The rate of current loans can be a good indicator of how well the company is doing.

For that reason is important to take it into consideration and invest in originators that are doing a good job to keep their loans current.

Take a look below to see how easily you can do this with the Mintos Helper tool. You will just expose yourself to additional risk for no reason.

I am not saying the Buyback Guarantee is the ultimate protection, as is not. But it has become more like a standard.

In other words, make sure to only pick loan originators that have this enabled. For that matter, all loan originators included in the Mintos Helper offer this.

If you want to learn more about Mintos loan originators read this dedicated post. In conclusion, Mintos is a platform that should be in every peer-to-peer lending portfolio, offering investors amazing diversification and great returns.

Are you already on Mintos? If so, please share your thoughts in the comments section below. What ever you think, feel free to leave a comment in the section below or vote.

In the next post we will discuss about another platform, one of my favourites, where I have the most money in. Stay tuned!

Disclaimer: This is a personal blog, containing our opinions and views, and nothing you read here can be used as investment advice or recommendation.

You should also know that some of the links in this post may be affiliate links, meaning, at no cost to you, I may earn a commission.

Read the full disclaimer here. On the other hand, according my idea, if we want to adopt a more conservative approach we should choose loans with lower LTV rates, since these have lower risks for the LO the collateral value is higher than the borrowed value.

Am I thinking correctly? That was a mistake, and I thank you for flagging it with me. Is definitely best to get loans with a lower LTV. I general I need to spend some time to update this Mintos review as so many things have happened.

Your email address will not be published. Subscribe to receive follow up comments. Please subscribe and get notifications of new posts via email.

Hierbei sticht vor allem das enorme Wachstum des Unternehmens heraus, welches in den vergangenen Jahren vollzogen wurde. Mintos konnte in einer vergleichsweise kurzen Zeit bereits über Millionen Euro an Investitionen vermitteln.

Dieses Feature macht Mintos einzigartig. Eine Anmeldung bei Mintos ist sehr einfach und kann bereits in wenigen Schritten vollzogen werden. Nachdem der Anleger einen neuen Account auf der Plattform eröffnet hat, kann er direkt mit einer Investition beginnen.

Das Handeln und Investieren bei Mintos ist denkbar einfach. Kunden können auf der Plattform die Funktion des Autoinvest einstellen und dort alle Kriterien für die eigene Investition genau festlegen.

Hierbei kann der Kunden bei Mintos aus insgesamt zehn verschiedenen Währungen auswählen. Danach müssen der Darlehensgeber und der Darlehenstyp ausgewählt werden.

Bei Mintos stehen dem Anleger insgesamt 35 verschiedene Darlehensgeber zur Verfügung. In der Regel handelt es sich hierbei um Kleinkredite.

Organisations and Companies can also invest, but there is more paperwork for them then private individuals. They have a buyback guarantee option that kicks in after 60 days on most of the loans at the platform.

This Buyback Guarantee is not from Mintos themselves which is important to know. But a promise from the Loan Originator that they will step in and pay you.

Mintos checks of some criteria that the Loan Originator are capable to do this or not to be able to present loans with this feature on their platform.

This is one of the things I always look for on any investment at Mintos so that my own capital are more secure. Most of the highest possible interest loans do not have this option.

Letting the responsibility be on the Loan Originators is a better solution for those who invest I think. This is an important point to talk about.

There is a couple of things that you need to watch for on the loan originators at Mintos to get that money.

Every loan originator have 2 information pages, a General information and Details page. The most important page for this is the Details page.

First, If they have a long Grace period on the loans, say like PimPays 30 days. It will mean that the borrower can pay 29 days late and for these days you will not get any extra interest.

I try to go for those with not so many days to get most out of the late payers. Second one, If this one states Yes, you are getting interest even if they are delayed within the buybacktime of 60 days.

It starts after the Grace period remember that. And the third, this is like the interest income on delayed payments just in another way.

Usually they offer one of the two. Not making you interest but instead a fee paid back at least. One originator I can think of is Watu Credit, they have NO on all of these so its bad if they are late within the buyback period.

Even if they have 0 grace period you might end up 60 days earning nothing extra. We are in this to get interest so keep this in mind.

At Mintos they have a good variety of loans to invest in, actually 8 different types today. So here you really can diversify depending upon your own criteria.

Some of them are higher risk than others of course. The Loans can be backed with some kind of insurance from the borrower like cars, houses and other things.

Many Loan Originators also back a portion of the loans they post in some way, like a percentage also invested. So they have skin in the game that also lets us know they have faith in the borrower.

Mintos have finally released their mobile app now in February You can check statistics on your portfolio, deposit and withdraw directly from the app together with investing in loans.

It also lets you pick between light and dark mode for the apps background which is a nice touch.

Oh well, what do I Pokerstars Poker Texas Holdem as an outsider…. Mintos wurde in Lettland gegründet und hat seinen Firmensitz in der Hauptstadt Riga. This means that the platform will most likely not run out of lucrative investment opportunities in the near future.
Mintos Test 10/8/ · What is Mintos? Mintos is a Peer-to-Peer platform based in Latvia and is currently the largest Peer-to-Peer lending platform in Europe, with nearly 3 billion Euros worth of loans funded since the creation of the illinoishelmetproject.com currently have over investors, coming from all over the world. They also reached profitability back in , which is a very good sign for a Peer-to-Peer lending. Mintos is the biggest in the marketplace today when it comes to P2P investments and Multi lending platforms. They have been established since and are much bigger than all others in that section in Europe. At Mintos they have more than 5 Euros invested from over investors through their platform in March Mintos is safe and legit. Is definitely not a scam. In fact, is the biggest P2P lending platform in continental Europe, being very popular among P2P investors. However, like any other new investment, understanding the risks before investing is very important to have success and not lose your money.
Mintos Test

Spieler die sogenannten Slots (Spielautomaten) fГr sich entdeckt I Markets Live Erfahrungen. - Die Geschichte von Mintos

Dies hat leider auch die Rückzahlung der Kredite beeinflusst.

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2 Kommentare

  1. Mezticage

    ich beglückwünsche, welche Wörter..., der glänzende Gedanke

  2. Nisar

    Diese Phrase, ist))) unvergleichlich

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