Das Mintos Handbuch: Erfolgreich in P2P-Kredite investieren: Ein Leitfaden für Privatanleger eBook: Wörner, Sebastian, Franzen, Sventja: foodint-china.com Fragen zum Investieren in P2P-Kredite? Mehr als Anleger diskutieren zum Thema. Erfahrungen, Anbieter, Probleme, Tipps. Komm vorbei! Das die Plattform nach wie vor einen Großteil des P2P Marktes beherrscht und der Erfolg dafür spricht, dass man bei Mintos einiges richtig.
Meine Rendite bei Mintos nach 5 Jahren P2P-Kredite InvestmentDas Mintos Handbuch: Erfolgreich in P2P-Kredite investieren: Ein Leitfaden für Privatanleger eBook: Wörner, Sebastian, Franzen, Sventja: foodint-china.com Mintos macht Investitionen in P2P-Kredite leicht. Investieren Sie in Ihre finanzielle Zukunft und verdienen Sie mit unseren attraktiven Zinssätzen ein passives. Fragen zum Investieren in P2P-Kredite? Mehr als Anleger diskutieren zum Thema. Erfahrungen, Anbieter, Probleme, Tipps. Komm vorbei!
P2p Mintos Comment navigation Video1.000€ Experiment - Mintos Invest \u0026 Access vs. Bondora Go \u0026 Grow
When you for the first time start the depositing process, you will be asked to verify your identity with a national identity card EU only or passport.
When you have finished doing so, you will be able to select your desired method of depositing funds to Mintos. Before you can withdraw any money from Mintos, you must make sure that none of the money you want to withdraw is currently invested.
If you have some money you want to withdraw invested in P2P loans, you must first sell them on Mintos secondary marketplace.
You should be able to sell any loans within a short amount of time due to the high number of active investors on the secondary market. When you no longer have your money invested on Mintos, you can easily withdraw it.
You can only transfer money to accounts that are connected to your Mintos account. All accounts which you have previously used to transfer money to Mintos are ready for you to withdraw to.
This will connect that account to your Mintos account. Withdrawing money from Mintos usually takes days. However, your bank or money service provider might charge a fee.
Whether Mintos is safe to use depends primarily on 4 things: How safe the platform is, how safe the investments are, how safe the Mintos loan originators are, and how safe the company is.
In the following we will take a look at what measures have been taken to protect you as an investor:.
As the first security-related thing in this Mintos review, we have taken a good hard look at how secure your account really is.
Here we found that you can use the Google Authenticator app or other apps that are compatible with Google Authenticator. Two-factor authentication can help to protect your account against unauthorised access to your account, phishing attacks, and many other cybercrimes.
When you have activated two-factor authentication, people who could have your password must also have access to your phone in order to log in.
The two-factor authentication security of your account is not mandatory. We highly recommend activating two-factor authentication on your account for maximum security.
If you activate two-factor authentication on your account, we believe that your account is fairly safe. To activate two-factor authentication on your Mintos account, you should just go to your accounts security settings.
Here you can choose to enable two-factor authentication. In this Mintos marketplace review, we also want to address what measures the company has made, in order to protect you as an investor, in regards to the alternative investments you can make on the platform.
Loan originators carry a potential risk for investors if their company lacks in management, finance, etc. Therefore the Mintos risk management team always performs a complete risk assessment of any loan originator wanting to join their platform.
In their due diligence process of the loan originators, they perform a thorough analysis of the management quality, credit scoring, underwriting policies, financial statements, etc.
Even if the loan originator gets accepted by Mintos, the loan originator will continuously be evaluated. Here Eurocent actually ended up in bankruptcy.
It is therefore important for us to address the importance of diversifying between several loan originators. Another thing that Mintos practice to protect its investors is to require every loan originator to have skin in the game.
So in case of loans default, the loan originator also stands to lose money. In this way, it is ensured that there is no conflict of interest between the loan originators and investors.
So generally, you would want to look for loan originators with as high skin in the game as possible.
Most lending companies on other competing platforms are required to keep a similar amount of skin in the game as on Mintos. This indicates that Mintos loan originators use a bit more leverage and have less aligned incentives with investors than that one platform.
But compared to the rest of the competition, Mintos is still one of the platforms where you will find the most amount of skin in the game for the lending companies.
It is quite unlikely that all the loan originators will continue to do business without problems. Therefore, it is important that you diversify between them.
But Mintos has in recent years added new loan originators at a fast pace. So there should be plenty to choose from. A few years back, Mintos had some problems with a loan originator called Eurocent.
The company first encountered problems after just 4 months on the Mintos platform. Since then, Eurocent actually ended up in bankruptcy.
But in spite of the bankruptcy over half of the invested principal has been recovered for the investors.
The case with Eurocent very well portrays the importance of investing in loans from more than just a provider.
It also shows very well that even though there are buyback guarantees on the loans, the guarantee is only as good as the company behind.
But in the case of Eurocent, over half of the invested principal was recovered. Mintos is transparent with its financial situation and is posting annual reports of the company behind the platform, AS Mintos Marketplace, on its website.
But in the years after , got back to being an unprofitable platform. This is probably mainly due to growth ambitions by the company.
Nevertheless, as a part of assessing how safe Mintos is, we have also taken a look at what happens in the worst-case scenario of Mintos folding:.
If Mintos goes out of business, investors on the platform will get full insight into which transactions have been made on the P2P lending marketplace.
As a measure, transaction data is sent to the law firm FORT every month. Upon an unlikely bankruptcy from Mintos, this data will then be used to ensure that the loans are being managed properly by a liquidator or administrator.
Although Mintos has made many efforts to secure its investors, it is also important that you do something yourself.
The following points are quite essential to avoid a single point of failure and to protect yourself as an investor:.
Furthermore, you can secure yourself making fractional investments in several loans from different geographical locations, currencies, loan types, from many different loan originators.
It might sound like a big mouthful to do all that, but the Mintos auto-invest function makes this really easy. Bonus tip: We tried to switch from one currency to another on the platform.
It costed a semi-expensive exchange fee. It can, therefore, be a good idea to transfer money to the investment platform in the currency that you intend to invest with.
One of the better things about Mintos is definitely its autoinvestment feature. Tak trosku gambling, pretoze sice riziko minimalizujete, ale ked skrachuje Loan Originator, tak mate smolu.
Treba samozrejme diverzifikovat riziko. Mintos splnil ocakavania, lahka orientacia na platforme, vsetko po ruke.
Odporucam najma pre zacinajucich investorov vo svete p2p. Velmi dobra p2p platorma ktora umoznuje kontrolovat investicie a ponuka aj dalsie moznosti.
Mintos Risk Score. Darlehensanbahner Akulaku Südostasien - suspendiert [ Gehe zu Seite: 1 , 2 , 3 , 4 ]. Keine Benachrichtigung bei neuen Postings trotz "Verfol.
Mintos neue Strategien [ Gehe zu Seite: Welche anbahner sind. Darlehensanbahner Cashwagon Südostasien -suspendiert [ Gehe zu Seite: Status "In Recovery" [ Gehe zu Seite: 1 , 2 ].
The company also has currency exposure. The company is slow to provide financial information, and lacks detail. Our score is down 4 to Tigo is a small subsidiary of the Finitera group in North Macedonia.
Their results were much better than the previous year - moving into profit and positive equity. However they are still overall a very weak company.
Almost all of their funding comes from Mintos, and there is no currency hedging at all. If there was a depreciation against the euro this could easily bankrupt the company.
Our score is Finko Group has somehow managed to suffer the loss of licences by two subsidiaries in the last 6 months - Metrokredit in Russia, and Varks in Armenia.
Things are not going well. They are now lending funds in Russia through a company called Kiva. It is like many other Finko subsidiaries, small and loss making.
There is a lot of uncertainty over the future of the Finko group, which makes it impossible for any reasonable investor to purchase their loans.
Our initial score for Kiva is At the end of Mintos announced that several loan originators were owned by the Sun Finance group. Investors were told that these loan originators would receive group guarantees starting in When we double checked recently with Mintos that this had happened we were told " As we have promised, all subsidiaries should have the group guarantee but currently, they have not.
Once it changes, the information on our website will be updated. We think that failing to execute the guarantee raises questions about all the Sun Finance subsidiaries and the management of the company.
Sun Finance has now finally provided fresh financial information on its operations in Poland, Denmark, Latvia and Mexico.
In some cases these country groups include subsidiaries that Mintos has never provided any information previously.
The Polish operations previously known as Kuki. However they are no longer heavily loss making, and our score increased 11 to This profit performance, and stronger balance sheet led to a score increase from 28 to If Latvia is the crown jewel, the Mexico operations are the ugly step-sister.
Denmark reported satisfactory results. Sun Finance has not published any recent financial information from its Vietnam and Kazakhstan subsidiaries.
It no longer offers any loans from Russia on Mintos. Cashwagon's latest results are a little worrying. They have burned through most of their equity, and lost money throughout Hopefully they can battle through.
Meanwhile our score is cut from 42 to Kenyan lender Watu Credit is on fire right now. Watu focuses on loans secured on assets like motorbikes which we think have a good risk profile.
That is why its loan losses are small and stable relative to its revenues. The main downside to Watu is that it operates in Kenya, a higher risk country.
Even still, we think Watu are becoming one of the better loan originators on Mintos. Score up from 61 to The results of Bulgarian lender Cash Credit were boring.
Boring is good. Stable profits and capital levels are just fine with us. Earlier this month we downgraded Credissimo for not publishing any final information since Well the good news is that results are now available.
They were slightly disappointing. Profit has dropped in half since , and leverage is up, due to growth in the loan portfolio and the company paying out shareholders all its profits.
Our new score is 68, down from 80 at the start of the month. Cream is one of the larger and most established Mintos loan originators.
Its results were fairly stable. They still seem one of the better options available to us, particularly due to their Latvian location.
Our score fell slightly due to lower profits in , and slightly higher leverage. Score down 4 to 63,. We've been wary of Polish lenders lke Dziesiatka recently due to the very harsh line that the Polish government took with their lenders in response to the COVID crisis.
However we also need to recognise that this company had a pretty good They raised some extra capital and also delivered higher profits.
Our new score is We have adjusted down their profit score to reflect the current circumstances in Poland.
Kazakhstan is another country that is having a rough time right now. It is an economy that relies on oil. So why are we increasing the score of GFM?
We had dramatically marked it down already to reflect these issues, plus the lack of recent financial information.
Our score increase of 10 to 43 reflect's GFM's strong capital levels at the end of , and improved profitability.
Kenyan lender Zenka released results up to March and they seem to be performing well, growing their loan book and capital, and heading into profitability.
Downsides are that the reporting quality is fairly low, and it is not clear yet whether Kenya is going to avoid a large-scale COVID outbreak, or if it is just in the early stages.
Score up from 41 to The underlying profitability of the business seems pretty weak, and we suspect that the capital position is weaker than shown in their headline figures.
We have cut the score from 53 to Mexican lender Dinerito is fairly 'average'. It currently has no pending payments outstanding, which gives us more confidence in it than some other LOs.
In early April we have made too many rating changes to list them all individually , but we will highlight any key ones below.
The key themes that led to changes were — macro shocks, regulatory changes, and disclosure quality downgrades for lenders who had not published financials since Aasa has finally published results for both and We had suspended our scores for a long time due to a lack of disclosure.
Aasa made a huge loss in which is perhaps why they decided to stop providing any information. Since then it has dramatically shrunk its balance sheet and broke even in We are wary of Polish lenders right now, although Aasa does have a high level of equity, giving it a stronger balance sheet than most LO's.
It is hard to see what the point of Capitalia is. It's a tiny business that seems to break even every year. It's one of the few LO's who don't provide buyback guarantees.
The business model of E-Cash doesn't seem to work. Its bad debt costs eat up half of the company's interest income. Once the company pays for all its operating and funding costs it makes a loss.
Score reduced from 23 to High risk. Hipocredit is a small mortgage lender based in the Baltic region. We've gone hot and cold on the company in the past.
We like the low LTV loans they originate. However in the past they have been guilty of selectively buying back their best performing loans and leaving investors with the non-performing.
After paying out a big dividend 2 years ago they are still a bit under-capitalised. However, profits are improving. Score up from 32 to Mikro Kapital is another lender that we downgraded significantly earlier this month.
They have now released their audited results for in Russian.. Overall results for were fairly strong, with a healthy level of equity.
We are still cautious about their outlook for The following assets available on Mintos as security for loans are:. The primary market for manual investing at Mintos is very comprehensive and one of the platforms with the most detailed filtering options.
It is not only possible to select specific interest rates and loan terms, but a wide range of variables: Currency, Loan type, Country, Loan Originator, Mintos Rating and if buyback guarantee or is a must or not.
Since this platform is one of the biggest platforms in the world facilitation loan originator debt, the number of available loan notes is enormous.
As of this screenshot below, there are Auto lending is available on Mintos with two different ways to approach building an automatic portfolio.
For those of you that do not want to or have the abilities to build a diversified portfolio of loans and originators, have the option of selecting between three different pre-defined strategies by Mintos :.
The Custom Investment Strategy is automatic investing with the same filtering options available when manually investing. Choosing this approach will leave the portfolio construction up to you and let you handpick loan types, countries, loan originators and much more in the same possible on the manual primary market.
Furthermore, as a new extension custom automatic investing will let you automatically invest in both the primary and the secondary market.
This allows lenders to set up an auto invest portfolio buying loan notes for sale on the secondary market with a discount sweeping up cheaper debt from lenders going into other loans or trying to exit cashing out.
It is also possible to not reinvest the repayments in a specific custom portfolio if your slowly withdrawing money or diversifying into other customized portfolios.
Since January investors have been selling loans at a discount for over 30 million in every single month.
Just as much is facilitated at par value and roughly about 10 million is being sold with a premium. There are curtain similarities with the different investment methods on Mintos , such as the minimum investment amount of 10 euro — but the most important differences can be seen below in the table.
Overall the three different investment methods have no direct fees for the investors, the choice depends on your risk appetite and your willingness to put in time for selection and due diligence.
Creating an account as an individual requires just an email and a password. The platform complies with KYC Know Your Customer and you need to provide an identification document to be able to withdraw money from the platform.
Withdrawing funds is the simplest process of the two. There is no minimum withdrawal restrictions and no further additional fees or commission for withdrawing the funds.
Remember, depending on their fee structure, your bank might charge fees for handling the transaction or exchanging currency.
Transfer Wise. Mintos features comprehensive reporting on your lending activities. All transactions are available below that for further examination.Bis heute freue ich mich täglich über passive Einnahmen durch Zinsen. Beim Einrichten des Autoinvest habe ich ein Youtube Tutorial zu Rate gezogen und schon war auch das kein Problem mehr. Jeder sollte vor einem Investment die Risiken selber abwägen. Auch Bondora hat es vielen Investoren angetan.