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Post by wiseclerk on Dec 4, 2018 11:15:41 GMT
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Post by wiseclerk on Jan 3, 2019 13:59:43 GMT
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Post by wiseclerk on Feb 4, 2019 12:24:33 GMT
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Post by wiseclerk on Mar 4, 2019 16:40:41 GMT
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Post by wiseclerk on Apr 8, 2019 8:18:13 GMT
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cb25
Posts: 3,528 
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Post by cb25 on Apr 8, 2019 8:28:24 GMT
Do you have any idea why RateSetter volumes are down 34% on last month, down 10% on March 2018?
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benaj
Member of DD Central
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Post by benaj on Apr 8, 2019 12:22:10 GMT
Do you have any idea why RateSetter volumes are down 34% on last month, down 10% on March 2018? I believe the figures are quoted in EUR, so you see currency fluctuation.
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Post by wiseclerk on Apr 8, 2019 14:58:14 GMT
Do you have any idea why RateSetter volumes are down 34% on last month, down 10% on March 2018? Note that at time of publishing no official figure was available for me regarding the Ratesetter volume for March 2019. The figure in the table is an estimate by me. It could be quite off. I contacted Ratesetter for an official figure but have yet to receive a reply.
The Ratesetter website statistic page says "Refreshed monthly. Last update: 1st March 2019." Hope that helps
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aju
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Post by aju on Apr 8, 2019 18:30:23 GMT
Their loanbook is still available, well it was a week or so ago.
.... just checked and march 2019 lending in the whole book was £68M give or take 50 odd K. Unless i'm looking in the wrong place which is probably the case as I'm not that familiar with their LB.
@ euro conversion rate of 1.15 that would be 78M euros.
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Post by wiseclerk on May 3, 2019 9:04:14 GMT
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aju
Member of DD Central
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Post by aju on May 3, 2019 9:45:49 GMT
Their loanbook is still available, well it was a week or so ago. .... just checked and march 2019 lending in the whole book was £68M give or take 50 odd K. Unless i'm looking in the wrong place which is probably the case as I'm not that familiar with their LB. @ euro conversion rate of 1.15 that would be 78M euros. It's gone now sadly, there are other ways to see the lending volumes but they are a bit less obvious. According to what I can see on RS the lending volume for April was £59,188,863.75. Also the new location corroborates the above value for March too.
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Post by geldregiertdiewelt on May 5, 2019 9:04:54 GMT
Following this table month by month and assuming that it is roughly correct, one gets the impression that - in the UK, where they have the most mature p2p industry, the times of big growth are over - p2p platforms, which have not yet reached a monthly loan volume 5 Mio €, will find it difficult to prevail. Thoughts?
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Post by wiseclerk on May 5, 2019 9:22:04 GMT
I would say that growth in UK has slowed a little. If you look on the y-o-y figures it is still growing double digit percentage, e.g. Zopa 10% this month, Ratesetter 28%. The challenges are more with the ones focussing on (development) property. And yes the smaller ones, need a clearly defined (high margin) niche, otherwise it is hard to see how they will be sustainable long term.
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Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
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Post by Godanubis on May 6, 2019 1:11:21 GMT
I think P2P property based will move to a more build from the ground up financing. Where the platforms make alliances with firms that can carry out projects.
They will essentially be project managers to build property as is required either affordable housing and housing associations or more lucrative private housing. They will have contacts in mainstream lending that will guarantee refinancing on completion or quarantined purchases from hosing associations or private landlords.
The Funding comes from investors who get their interest and may even be offered a discount on the final property based on their investment in the project.
This is a more sustainable lower risk strategy with a positive social outcome.
ROI on new build homes is one of the most enduring means of positivity.
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Post by wiseclerk on Jun 4, 2019 9:23:01 GMT
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