Review of: Mintos Test

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On 12.09.2020
Last modified:12.09.2020

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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. Mintos Test & Erfahrungen. Mintos ist die größte P2P-Plattformen in Europa. Obwohl die Plattform erst im Jahr gegründet wurde, liegen die. Mintos im Test. Benutzerfreundlichkeit der Plattform. Mintos ist eine der besten Plattformen im Bereich des P2P-Lendings, die wir bisher getestet haben.

Überblick Mintos

tripennucc.com​passives-einkommen/ TimeStamp: [] Zusammenfassung [] Disclaimer. Im Mintos Testbericht sind uns viele Aspekte positiv aufgefallen, die P2P Plattformen aus Deutschland so nicht haben, wie zum Beispiel eine Rückkaufgarantie. Alles über den P2P Kredite Anbieter Mintos: Erfahrungen, Test, Vergleich und Risiken. Ist Mintos seriös? Mit Mintos in P2P Lending investieren.

Mintos Test Mintos im Test Video

Mintos im großen Test I Die wichtigsten Fakten + Erfahrungen

Viele Experten sehen gerade hier eine Schwachstelle. I prefer spending time to research how solid the loan Tipp24 Auszahlung Gewinne are, rather than picking loan types. In Fc 08 Homburg Liveticker following we will take a look at what measures have been taken to protect you as an investor:. If you go to the Mintos website, you will be able to check out how this looks. This is probably mainly due to growth ambitions by the company. Mintos rates these lenders from A to D (around 10 levels) based on company health, financial status, quality of loans. My first investment. Mintos lets me invest either manually in individual loans, either automatically, through an auto-invest profile or through their custom Invest&Access product. 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 Test & Erfahrungen Mintos ist die größte P2P-Plattformen in Europa. Obwohl die Plattform erst im Jahr gegründet wurde, liegen die Zinsausschüttungen bereits bei rund Millionen Euro (Stand Mai ). 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 is doing initial and periodic risk assessments of all loan originators, offering them a rating from A+ to D, on 10 levels. Find them here. Use these ratings to make informed decisions. 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 tripennucc.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.

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Bewerten Mintos.
Mintos Test When I first invested in Mintos in their Herr Der Ringe Online Kosten annual return rate was slightly higher. In der Regel handelt es sich hierbei um Kleinkredite. Predefined Mintos investment strategies: The easiest choice is clearly to go with one of the predefined strategies. These things can take time and might not even help if they have no cash. They also advertise an average return of InMintos became the first P2P lending platform in Europe to introduce loan originator credit ratings. But in spite of the bankruptcy over half of the invested principal has been recovered for the investors. Frankly, I would like to avoid the situation when an originator which initially has buy-back guarantee for exampleis re-activated by Mintos with different feature without buy-back guarantee this time. Here Eurocent actually ended up in bankruptcy. Essentially, the Mintos rating is made to make it easier Monopoly City Anleitung the average investor to understand the risk associated with a Mintos loan originator of a specific loan on the marketplace. Here I will list some of the competitors to Mintos that Tipico. Com be worth to have a look at. Dieses Prinzip des Forderungsverkaufes können sich seit einigen Jahren Ruby Casino private Anleger zu Nutze machen. The platform launched in January and currently serve 59 loan originators and more than investors from 73 countries. Neben Verbraucherkrediten können Kunden bei Mintos auch Hypotheken oder ein Darlehen mit sehr kurzer Laufzeit für eine Investition Livescorexxl. You can visit the website here.

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Es gibt keine Kontoführungsgebühren und die P2P Plattform behält keine Provision oder dergleichen ein. Ist Mintos seriös? Dabei ging die Anmeldung Joseph OBrien schnell, weil die Kontoverifizierung online durchgeführt werden kann. Wer beispielsweise Euro investiert, kann in 50 verschiedene Kredite investieren und erreicht damit eine umfangreiche Risikostreuung. Aufgrund Tier Puzzle Spiele Risiko- und aufwandsadjustierten Rendite definitiv kein empfehlenswertes Finanzprodukt.

Zinsen für Unternehmenskredite sind zudem auch in Deutschland vergleichsweise hoch. Zinsen für kurzfristig benötigte Liquidität von um die 15 bis 20 Prozent p.

Zwischenfazit: Es ist also gar noch so abwegig, dass die Mintos Zinsen im Vergleich so hoch sind. In den er Jahren waren die Zinssätze für Verbraucherdarlehen auch in Deutschland im zweistelligen Bereich und die Verbraucher haben das gezahlt.

Ein interessantes Feature ist die Mintos Rückkaufgarantie. Anleger, die in einen Kredit mit Rückkaufgarantie investieren, erhalten vom Darlehensanbahner eine Garantie, dass der Kredit im Falle eines Zahlungsausfalls zurückgezahlt wird.

In der Praxis sieht das so aus, dass der Anleger bei einem Verzug von mindestens 60 Tagen den Nominalbetrag zuzüglich Zinsen automatisch gutgeschrieben bekommt.

Mit dieser Rückkaufgarantie soll dieses Ausfallrisiko ausgeschalten werden. Fakt ist aber auch, dass es dennoch ein gewisses Risiko für den Anleger gibt.

Nämlich dann, wenn auch der Darlehensanbahner nicht mehr zahlen kann. Ein zweites Feature ist der Sekundärmarkt. Auf dem Primärmarkt können Anleger direkt in Kredite investieren.

Ihre investierten Darlehen können sie auf dem Sekundärmarkt wiederum an andere Anleger verkaufen. Entweder mit einem Zinsaufschlag oder -abschlag.

Damit erhalten Investoren eine Möglichkeit, eventuell langfristige Darlehen kurzfristig zu Liquidität zu machen. Das primäre Risiko besteht darin, dass der Kreditnehmer zahlungsunfähig wird und das Darlehen nicht mehr zurückzahlen kann.

Der finanzielle Verlust ist abhängig vom Zeitpunkt des Kreditausfalls. Nun gibt es ja Kredite mit einer Rückkaufgarantie.

Sollte sowohl der Kreditnehmer als auch der Darlehensanbahner bzw. Kreditgeber zahlungsunfähig werden, könnte es passieren, dass der Anleger trotz dieser Garantie einen Verlust erleidet.

Nämlich dann, wenn der Garantiegeber auch nicht mehr zahlen kann. Zwar haben wir bisher keine negativen Mintos Erfahrungen diesbezüglich gemacht.

Und dieses Szenario ist sehr unwahrscheinlich. Anleger können bei diesem Betreiber aus einer Vielzahl an verschiedenen Möglichkeiten für ihre Anlage auswählen.

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. My Overall Rating. My Average Yield. Investment Protection. What I Liked.

Buyback guarantee on most of the loans. Huge amount of loans available. Really easy to diversify. Auto-invest function.

You have zero control on even choosing the interest rate level. Otherwise it just pushes crap loans to investors but still geting the high return loans away from auto-invest portfolios.

I started to use this feature from day one. For those who want to spend just monthly, auto-invest or manuel investing will give you more control and higher returns.

Hi, reading from your saving history I guess you started to put all your saving sistematically in P2p? I saved a lot in the past but Im still not sure to add 10k saving in it.

What will you suggest to peoples like me? Thank you! Hi Gaetano. My suggestion is to start out slow with different platforms, to see if you like this type of investing.

As you can see from my income graphs, I have 4 years of experience with P2P. Very good review, even if interests rate is dropping on Mintos.

Hello, When you talk in P2P lending talk always in diversification. You can still diversify your portfolio without having an even spread between loan originators.

You can read more about the setting here. I am just wondering if you still are using the same auto-invest settings today. Am I mostly thinking about the percentages, etc.?

What if you sold all your current loans without a discount, do you then still get your share of interest on delayed loans?

So most of my profit was earned on a 8k EUR account. If I sell a delayed loan, I will receive my share of the interest from when I owned the loan when the loan is bought back.

Ah, that explains it of course, thanks a lot for the quick response and the explanation. I just registered to Mintos and Bondora about 2 weeks back.

Interest from defaulted loans which are bought back is paid after 60 days. So it takes some time, but it will catch up and will definitely surpass Bondora at some point.

I understand that there could be a mismatch between loans funded and interests paid, but I cannot explain myself such a big difference.

Is it because most of the loans are short term? Hi Jozef. They just bundle loans and extend the investment duration of short-term loans.

Interest rates offered seems to be more or less the same as buying the loans individually. First of all, wonderful job with this blog. I have 2 questions for you: 1.

What is the best way to add funds to Mintos? I have been using Transferwise but in addition they always ask to send them the proof of payment.

Even if I specified the investor id, my name, and so on… I am thinking about sort of direct-debit from my personal account and leave auto-invest feature going on solely.

In this way I would just need to make sure I have funds in my account. What tool do you use for tracking the portofolio distribution? Do you have an excel template?

Hi Bogdan, 1. To display my portfolio I use scripts from Highcharts. Thank you…u do a great job. Has Mintos remove this feature?

What will happen in the following scenario? So if you are looking for a great platform to diversify your investments, and thereby lowering your overall portfolio risk, Mintos is indeed a splendid choice.

Within FinTech things are moving fast, but Mintos is definitely not idling. They are constantly making improvements for investors while adding new lending companies and features to the platform.

It is probably also one of the reasons why Mintos is an award-winning platform. In less than 3 years after their launch, Mintos managed to become a profitable P2P lending marketplace.

Part of their great success can probably be imposed on their ability to solve some of the scaling problems other crowdlending platforms often enter.

Hundreds of thousands of investors have used the platform. And over 1, of those have rated Mintos on Trustpilot. With such a great Trustpilot rating, to back up its platform, Mintos is definitely a platform worth taking a further look at:.

In the following part of our Mintos review, we will explain some of the main features on the platform, and why they are important for you as an investor.

One of the great things about Mintos is the buyback guarantee. Essentially, the buyback guarantee is a guarantee issued by the loan originators to the investors.

Through the guarantee, the lending companies on Mintos promise to buy back a particular loan — if the borrower is more than 60 days late with payments.

Here you will be paid both the nominal value of the outstanding principal as well as the accrued interest. On the individual loan, you will be able to see if it is protected by a buyback guarantee by looking for a shield.

Loans marked with a shield on the loan list are protected. Please be aware that the different lending companies on Mintos can have different terms.

For example, it is not certain that all the lending companies are paying interest on delayed payments.

By visiting the primary or secondary marketplace on Mintos. You can visit the website here. Mintos was one of the very first P2P platforms in Europe to introduce a secondary market to its investors.

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.

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.

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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.

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