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⭐️MEIN P2P INVESTMENT
⭐️MEIN P2P-GUIDE (Fragen{Antworten)
🍀Unterstützt das P2P Projekt


DIE PERFEKTE ALTERNATIVE ZUM SPAREN UND INVESTIEREN!

Im Marktplatzmodell der Peer-to-Peer-Kreditvergabe im Internet finden private Kreditgeber private Kreditnehmer - und umgekehrt. Dieses Modell bringt Kreditnehmer und Kreditgeber durch einen auktionsähnlichen Prozess zusammen. Das Marktplatzmodell kann andere Zwischenprodukte oder den Verkauf eines Kredits beinhalten, aber das Darlehen wird am Ende immer an eine Einzelperson oder einen Pool von Individuen verkauft.



P2P BROKER:
(Plattformen in die ich investiert habe)

BONDORA - 9,0%¹ [netto rendite jährlich] [www.bondora.com]
(⭐️↪ Dieser spezielle Link enthält einen 5 € bonus² von Bondora)

MINTOS - 11,91%¹ [netto rendite jährlich] [www.mintos.com]
(Derzeit kein bonus von Mintos)

TWINO - 11,00%¹ [netto rendite jährlich] [www.twino.eu]
(Derzeit kein bonus von Twino)

VIAINVEST - 12,00%¹ [netto rendite jährlich] [viainvest.com]
(Derzeit kein Bonus von Viainvest)

SWAPER - 12,68%¹ [net yield a year] [www.swaper.com]
(Derzeit kein Bonus vonSwaper)

(Vergessen Sie nicht, die Plattform in die gewünschte Sprache einzustellen)




VORTEILE VON P2P:

✔ Geeignet für jeden
✔ Sehr einfache Registrierung (selbsterklärend)
✔ Investitionen bereits ab 1 € ³ möglich
✔ Klare und einfache Einstellmöglichkeiten
✔ Automatische Kreditvergabe (Autoinvest)
✔ Guter Service, gute Erreichbarkeit
✔ Sehr geringer Zeit- und Kostenaufwand



DEUTSCHE P2P-FANS KÖNNEN MICH AUCH DIREKT KONTAKTIEREN.

Lade deine Freunde ein und lasst uns P2P bekannter machen.Ihr könnt mich auch direkt kontaktieren und mir eine Freundschaftsanfrage senden.

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⭐️MEIN P2P INVESTMENT
⭐️MEIN P2P-GUIDE (Fragen/Antworten)
🍀Unterstützt das P2P Projekt


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Bondora: (progressiv/opportunistisch 14,28%), (zinsen: 8,00%-275,00%)
Mintos: (konservativ/ausgeglichen 28,58%), (zinsen: 8,00%-16,00%)
Twino: (konservativ/ausgeglichen 28,58%), (zinsen: 8,00%-16,00%)
Viainvest: (konservativ/ausgeglichen 14,28%), (zinsen: 8,00%-16,00%)
Swaper: (konservativ/ausgeglichen 14,28%), (zinsen: 8,00%-16,00%)

In total:
(14,28%) progressiv/opportunistisch
(85,72%) konservativ/ausgeglichen

💲WACHSTUM💲: +94,59 €


03. 01. 2018
Bondora: 500,01 €
Mintos: 1002,30 €
Twino: 1000,12 €
Gesamtwert: 2.502,43 €
Darlehen: 514
01. 03. 2018
Bondora: 512,91 €
Mintos: 1034,58 €
Twino: 1016,95 €
𝓥𝓲𝓪𝓲𝓷𝓿𝓮𝓼𝓽 (𝓷𝓮𝓾): 500,00 €
𝓢𝔀𝓪𝓹𝓮𝓻 (𝓷𝓮𝓾): 500,00 €
Gesamtwert: 3564,44 €
Darlehen: 555
... . 05. 2018
Bondora:
Mintos:
Twino:
Viainvest:
Swaper:
Gesamtwert:
... . 07. 2018
Bondora:
Mintos:
Twino:
Viainvest:
Swaper:
Gesamtwert:
... . 09. 2018
Bondora:
Mintos:
Twino:
Viainvest:
Swaper:
Gesamtwert:
... . 11. 2018
Bondora:
Mintos:
Twino:
Viainvest:
Swaper:
Gesamtwert:


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1) BONDORA - 9,0%¹ [net yield a year] [www.bondora.com]
(⭐️↪ This special link contains a 5 € bonus² from Bondora)

2) MINTOS - 12,91%¹ [net yield a year] [www.mintos.com]
(Currently no bonus from Mintos)

3) TWINO - 11,00%¹ [net yield a year] [www.twino.eu]
(Currently no bonus from Twino)

4) VIAINVEST - 12,00%¹ [net yield a year] [viainvest.com]
(Currently no bonus from Viainvest)

5) SWAPER - 12,68%¹ [net yield a year] [www.swaper.com]
(Currently no bonus from Swaper)

6) ROBOCASH - 14,00%¹ [net yield a year] [robo.cash]
(Currently no bonus from Robocash)

7) ESTATEGURU - 12,43%¹ [net yield a year] [estateguru.co]
(⭐️↪ This special link contains a 0.5% deposit bonus² from Estateguru)

8) FLENDER - 10,20%¹ [net yield a year] [www.flender.ie]
(⭐️↪ This special link contains 5% bonus² from Flender)



1. Lendy [lendy.co.uk]

https://robo.cash/de

3. Crosslend [de.crosslend.com]

4. Auxmoney [www.auxmoney.com]

5. Estateguru [estateguru.co]

6. DoFinance [www.dofinance.eu]

1. Viventor [www.viventor.com]

https://www.zopa.com/

3. zidisha [www.zidisha.org]

4. Funding Circle [www.fundingcircle.com]

5. Pret d'Union [mon-credit.org]

6. Thincats [www.thincats.com]

7. Smartika (link not found)

8. Ratetter (link not found)

9. Comunitae [www.comunitae.com]

10. FundingKnight [www.fundingknight.com]


https://www.investitin.com/european-p2p-lenders/


(Do not forget to set the platform to the desired language)

I have not had any experience with the brokers so far.
If one of the links should be wrong, please let me know.


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FAQ





In the marketplace model of peer-to-peer lending on the Internet, private lenders can find private borrowers - and vice versa. This model brings borrowers and lenders together through an auction-like process. The marketplace model may include other intermediates or the sale of a loan, but the loan is always sold to an individual or a pool of individuals in the end.

By contrast, the Family and Friends model dispenses with the auction process and focuses on borrowers and lenders who already know each other. This model does not focus on finding a loan, but on cooperation and support in the formal processing of the loan. Another form of peer-to-peer credit is crowd lending, where a group lends money to an individual or individuals to a group.

Models of peer-to-peer credit seek to revive the social component of the credit lost in centralized bank models. At the same time, the lenders themselves can decide to whom to lend money for what purpose and how long. Peer-to-peer credit also builds on the theoretical assumption that existing interpersonal relationships or other forms of social commitment improve fiscal responsibility and, hence, the repayment rate. This effect is also used by so-called microcredits in developing countries.

$ 118 million was raised globally in 2005, $ 269 million the following year, and $ 647 million in 2007 through peer-to-peer loans. In 2012, the worldwide volume amounted to approx. 1.5 billion euros . In Europe alone, peer-to-peer loans totaling € 2.1 billion were granted in 2015. The world's largest peer-to-peer lending marketplace by far is the US based Lending Club platform. The ten largest in Europe are, according to the 2013 Forbes ranking, the following platforms: 1. Zopa (United Kingdom), 2. Ratetter (United Kingdom), 3. Funding Circle (United Kingdom), 4. Auxmoney (Germany), 5. Bondora (UK) Estonia), 6. Pret d'Union (France), 7. ThinCats (Great Britain), 8. Smartika (Italy), 9. Comunitae (Spain) and 10. Funding Knight (Great Britain).



Source: Wikipedia



Auto Invest uses the investment strategy you have chosen automatically. After you have entered your investment criteria, Auto Invest will automatically invest in appropriate loans. Auto Invest is accessible at all times, and you can follow the activity in your portfolio in real time to make sure that it works according to your investment goals. Auto Invest is a very effective way to save time investing; In addition, you have faster access to new loans in the system than with manual investing.

As a user of Auto Invest, you can cancel or quit Auto Invest at any time.

After you have set your investment criteria, Auto Invest looks through the loan note lists and invests in loans that meet the criteria. Auto Invest will continue the analysis automatically and invest in new loans as soon as they are recorded. If you change your auto-invest settings, all available loan note lists will be reviewed to see if they match your investment criteria.



1. I completed the very easy to understand registration and waited for the e-mail confirmation

2. I have adjusted the settings according to my needs.
The attitudes are easy to understand and regulate, among other things, the level of interest rates, the level of risk in relation to the loans, the level at which you want to invest per loan and in which countries you want to invest.

3. Since I want to generate a passive income, I activated the ´´autoinvest´´.
The autoinvest distributes my money automatically according to my wishes and reinvest the profits.
do not forget to set up to which account size the autoinvestor should reinvest, but you can also keep only the paid money invested and withdraw the interest incurred.

There are essentially two ways to set up a portfolio individually:
(Example Bondora)

(a) The easiest way is to set the slider and click autoinvest

CONSERVATIVE---BALANCED---PROGRESSIVE---(OPPORTUNISTIC)
the expected returns are displayed directly

(b) If you want to have it more precise, you can make some additional settings

- Available cash balance.
Hereby you set how much money should always be on your portfolio.

- Current loans.
By activating this function, the Portfolio Manager invests in the secondary market. Yes, you heard right. But do not worry, he does not invest in any junk, but only in loans that were not overdue during their term and that do not include premiums.

- Amount of the bid.
This is the amount at which you place individual bids. This value correlates with the value directly below it.
- The maximum investment per loan.
For example, if you have a Bid Size of 5 EUR, but a maximum investment of 25 EUR per loan, it can happen that the Portfolio Manager invests several times in the same loan.

- The minimum investment per credit.
is used when, for example, the loan can not capture your normal bid size. For example, if there are still 25 EUR open, but you have a bid size of 50 EUR.



These criteria are just my own preferences.

(Fundamental)
- Has the company been active for some years and is it growing constantly?
- Does it publish growth figures and give itself transparent?
- Is there anything special to know about the CEO?
- In which country is the company active and which financial authority is it subject to?
- Settlement in the event of insolvency?
- Where does the company see itself in the future and what is it working on?

(Technical)
- good service good accessibility?
- cost structure?
- easy to understand platform?

(Psychological)
- Do I feel comfortable with the provider?
- Do I feel comfortable with the account size?
- Are my expectations realistic?



Available cash balance/Account size ... . The brokers use different names in their settings, but what does that mean?
This refers to how big the amount invested should be.

- 1. Reinvesting money flow
If you pay 1000 euros, and set the account size to 1500 euros, then the autoinvestor reinvested the money until 1500 euros are invested on loans.

- 2. Distributing money flow
If you pay 1000 euros, and set the account size to 1000 euros, then the autoinvestor only invests these 1000 euros, and the profits are paid to the brokerage account and are ready to be paid out.

In this way, you can choose whether you want to keep the profits directly, or whether you want to grow your account for a longer time.


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Disclaimer

Hi,
For some time now I have been very interested in P2P lending.
This page should help me to learn, and in addition I hope to get to know more P2P followers and to have interesting conversations on this topic.
It is important for me to act risk-consciously, and I do not use any money that I need directly to live.


¹ Taken from the provider pages.
² Please read the exact terms and conditions of the bonus actions on the provider page.
³ Bondora for example.


- The financial products presented on the Peer to Peer Trader [P2P] group are NOT an investment recommendation!
- The articles published on the Peer to Peer Trader [P2P] group are of a didactic nature and / or reflect only the views and experiences of the writer.
- There is NO financial advice, and no buy or sell recommendations are made!
- Everyone is responsible for their own actions and has to independently deal with the risks.
- No responsibility is assumed for the contents of the links
- All information provided without guarantee.


* Monetary support of any kind is non-obligatory, and does not include benefits or disadvantages.
Support in the form of, invite friends or active participation on the Peer to Peer Trader [P2P] page, is appreciated in that one receives the status of a moderator.
The administrator status is reserved for those members who have advanced investment knowledge and who also actively support the Peer to Peer Trader [P2P] page


- Constructive criticism is desired
- Insults of any kind will not be tolerated and will be subject to exclusion


Changes to the disclaimer are reserved for Peer to Peer Trader [P2P] group operators.
Changes to the disclaimer need not be communicated to Peer to Peer Trader [P2P] group members.
Each Peer to Peer Trader [P2P] member of the group must independently inform himself about changes to the disclaimer.


All disclaimer contents are valid from: 01.01.2018

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💲TOTAL INTEREST PAID💲: +697.77 €





03. 01. 2018
Bondora: . . . . . . . . . . . .500,01 €
Mintos: . . . . . . . . . . . . . 1.002,30 €
Twino: . . . . . . . . . . . . . .1.000,12 €

Total value: . . . . . . . . . . 2.502,43 €

Loans: . . . . . . . . . . . . . .514






01. 03. 2018
Bondora: . . . . . . . . . . . .512,91 €
Mintos: . . . . . . . . . . . . . 1.034,58 €
Twino: . . . . . . . . . . . . . .1.016,95 €
𝓥𝓲𝓪𝓲𝓷𝓿𝓮𝓼𝓽 (𝓷𝓮𝔀): . . .500,00 €
𝓢𝔀𝓪𝓹𝓮𝓻 (𝓷𝓮𝔀): . . . . .500,00 €

Total value: . . . . . . . . . .3.564,44 €

Loans: . . . . . . . . . . . . . .555






01. 05. 2018
Bondora: . . . . . . . . . . . .1.527,83 €
Mintos: . . . . . . . . . . . . . 2.058,91 €
Twino: . . . . . . . . . . . . . .1.533,91 €
Viainvest: . . . . . . . . . . . 505,13 €
Swaper: . . . . . . . . . . . . .1.005,16 €
𝓔𝓼𝓽𝓪𝓽𝓮𝓰𝓾𝓻𝓾 (𝓷𝓮𝔀) . .1.000,00 €
𝓕𝓵𝓮𝓷𝓭𝓮𝓻 (𝓷𝓮𝔀) . . . . . 500,00 €
𝓡𝓸𝓫𝓸𝓬𝓪𝓼𝓱 (𝓷𝓮𝔀) . . . . 500,00 €

Total value: . . . . . . . . . .8.630,94 €






01 . 07. 2018
Bondora: . . . . . . . . . . . .1597,67 €
Mintos: . . . . . . . . . . . . . .2089,92 €
Twino: . . . . . . . . . . . . . .1558,25 €
Viainvest: . . . . . . . . . . . .1014,29 €
Swaper: . . . . . . . . . . . . .1021,36 €
Robocash: . . . . . . . . . . .503,57 €
𝓕𝓲𝓷𝓑𝓮𝓮 (𝓷𝓮𝔀): . . . . . . 500,00 €

Estateguru: . . . . . . . . . . 1010,71 €
𝓑𝓾𝓵𝓴𝓮𝓼𝓽𝓪𝓽𝓮 (𝓷𝓮𝔀): . . 500,00 €
Flender: . . . . . . . . . . . . .519,90 €

Total value: . . . . . . . . . . 10.315,67 €






01 . 09. 2018
Mintos: . . . . . . . . . . . . . . 2273,73 €
Twino: . . . . . . . . . . . . . . .1582,60 €
Bondora: . . . . . . . . . . . . .1654,36 €
Viainvest: . . . . . . . . . . . . 1029,98 €
Robocash: . . . . . . . . . . . 513,51 €
Swaper: . . . . . . . . . . . . . 489,92 €
FinBee: . . . . . . . . . . . . . .506,10 €

Estateguru: . . . . . . . . . . .1422,40 €
Bulkestate: . . . . . . . . . . . 502,50 €
Flender: . . . . . . . . . . . . . 519,06 €

Total value: . . . . . . . . . . .10.494,16 €




____________________________________________________________________

💲TOTAL INTEREST PAID💲: +697,77 €
(... . 12. 2017 - 01. 11. 2018)
____________________________________________________________________



01 . 11. 2018
Mintos: . . . . . . . . . . . .2.712,86 €
Twino: . . . . . . . . . . . . 1.909,03 €
Bondora: . . . . . . . . . . 1.922,07 €
Viainvest: . . . . . . . . . .1.046,54 €
Robocash: . . . . . . . . . 519,90 €
Dofinance: . . . . . . . . . 504,92 €
FinBee: . . . . . . . . . . . 517,52 €

Estateguru: . . . . . . . . 1.935,25 €
Bulkestate: . . . . . . . . .602,50 €
Flender: . . . . . . . . . . . 527,06 €

Total value: . . . . . . . . .12.197,65 €





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