miso
Posts: 25
Likes: 8
|
Post by miso on Mar 1, 2018 10:12:10 GMT
I think Bondora should make the API usage more attractive by avoiding letting the Portfolio Manager snatch everything instantly: Either let the Portfolio Manager only buy, if the loan was for at least one minute one the secondary market or funnel like 5% of the loans to the secondary market and the PM can only instantly bid on the 95% of the rest. Just a rough idea. What do you guys think? API users and secondary market pickers are an important usergroup which drive good ideas from the community and invest more professionally. Having that group of people happy, seems to be important. Seems that API users are very active and competitive against Portfolio Manager already if you look at recent stats: www.bondora.com/blog/near-1-million-euro-of-secondary-market-purchases-in-january/However it's beyond my understanding how can be manual buying of discount current loans more effective (even possible) than using API. Probably portfolio sales included in stats.
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Jan 12, 2018 7:57:07 GMT
from fb:
Hi Fellows,
We are currently experiencing some technical issues with several services including the secondary market, withdrawals and the cash flow page. This is due to significantly higher than usual traffic on our site.
We are working on it and thank you in advance for your patience.
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Jan 10, 2018 10:46:59 GMT
I have Spanish loans on SM with payment history which are not being sold even at 90% discount, the same with dozens of Estonian loans offered at -75%+ . You can just start at -60% and readjust unsold loans after week or so until you reach your own mental limit
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Nov 16, 2017 11:23:05 GMT
You can try packing default loans with green loans into small portfolios where total discount will be less than those disastrous -85% when sold separately. Eg packing 50 Euro green loans with 10 Euro red and selling with 10% discount might look attractive for someone and yields better results than selling the greens for 1-2% margin and the red at 15% face value.
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Nov 1, 2017 13:54:14 GMT
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Sept 28, 2017 7:58:35 GMT
The fastest way to solve such problem is to click on the chat bubble on the lower right corner and report the issue. Has helped many times before
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Jul 17, 2017 11:05:49 GMT
I've spent weeks learning statistical software and analysing/backtesting loan data last year before starting investing in Bondora and the result is that if you're buying older loans = as you say 10 payments done with perfect payment history there's no need to add additional conditions. The fact the borrower is paying on time beats any other variables you'll get from statistical analysis. Actually even 1st payment done will make big difference in future default probability compared with initial data set. Exception would be those high 100+ interest loans where actually any further payment term would make the loan more riskier - but that's just my gut feeling, in the time I was doing the analysis there were no such loans available and now I am lazy to analyze it again
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Jul 15, 2017 17:02:05 GMT
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on May 17, 2017 9:18:45 GMT
Why are you buying at a premium then?? There are usually loans at a discount or at par, so why at a premium? I am trying very hard to be polite and not call you a..... Buying 12% p.a. loan at 1% premium which has payment scheduled tomorrow is almost the same like buying the same loan with 0 premium 2 days after scheduled payment...
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Mar 8, 2017 7:59:45 GMT
If Bondora decides to apply any costs you can see them in Loan Schedule table as separate row like this:
Actual payment made 10/08/2016 0.02€ 0.02€ 0€
Actual payment made 25/08/2016 0.64€ 0.64€ 0€
Debt servicing cost 25/08/2016 0.55€ 0€ 0.53€ 0.02€
However I have tons of loans with no DCA costs applied at all
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Mar 8, 2017 7:51:55 GMT
No change for me...still available in first lines of acc.statement with loan number clickthrough to loan details
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Feb 20, 2017 9:25:31 GMT
Didn't find separate thread on SM deals so creating this. Somebody is getting rid of seasoned green loans portfolio, I am out of free cash for now: F 43.89 8/60 76.37 0 BO3374743 512107 - 7299562 D 27.97 7/60 75.59 0 BO631734 525352 - 8712317 C 24.57 7/60 75.29 0 BO722752A 529846 - 9171019 C 25.24 9/60 73.78 0 BO7AK7A2 516090 - 7584363 C 21.94 7/60 75.06 0 BOK271A43 527813 - 8935332 C 22.16 8/60 74.23 0 BO3223423 523697 - 8471256 D 32.54 8/36 69.18 0 BOK2K4A93 524960 - 8602447 Enjoy while it lasts
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Feb 17, 2017 13:24:56 GMT
Bondora now offers 60 days money back guarantee so why not wait those 2 months? However I don't know if it also applies to you...
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Feb 3, 2017 16:38:45 GMT
I've these stuck in first rows of Account statement for the last 24 hours section on main page dashboard until the loan application approval/cancellation. The loan numbers there are clickable.
|
|
miso
Posts: 25
Likes: 8
|
Post by miso on Nov 29, 2016 17:53:32 GMT
No way they have it easy on FB, very critical guys there too And the group is large enough too to motivate Bondora's team to react swiftly...
|
|