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Post by wiseclerk on Jul 5, 2017 21:25:22 GMT
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Post by Estonia Invest on Jul 5, 2017 21:34:27 GMT
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Post by oktaeder on Jul 6, 2017 15:20:41 GMT
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Post by coolrunning on Jul 6, 2017 20:31:31 GMT
Now I know why buying on 2nd market has got so hard...
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Post by Estonia Invest on Jul 6, 2017 22:01:39 GMT
Now I know why buying on 2nd market has got so hard... Hey Coolrunning, Nah, I don't have that much money  Having said that, I have my criteria set for D, E, F, HR categories in the Secondary market and I suppose it's so strict that it didn't catch a single loan today. I have AA-C included in the D category but it never caught any of those. I don't explicitly invest in AA-C due to interest rate being too low-I'd rather sit in Mintos "guaranteed" 13%. Can you share what XIRR you are targeting for those categories? Mine is 26% for D, 32% for E, 39% for F and very high(varies depending on avail. funds) for HR quite a few of those but I have other criteria that filters out everything such as age of borrower and seasoning requirements with zero late fees. Note that I am posting XIRR, not interest rate. I basically trust Bondora's calculation on this. BTW, does XIRR account for markup on the loan(aka premium)? I just realized I don't even know that... 
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Post by coolrunning on Jul 8, 2017 8:33:08 GMT
Hi EI
My comment was due to understanding that lots of people are now looking at the SM. A year ago it was easy to find sound loans at small premiums but now it is tough.
I do not have specific rules. Most days I have a scan through the recent ( 1 or 2 day ) loans and pick out ones that look good enough.
I end up normally with D loans, some C, E and F. More EE than Finland, sometimes an ES one.
Just loans that look OK.
Good luck
CR
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miso
Posts: 25 
Likes: 8
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Post by miso on Jul 15, 2017 17:02:05 GMT
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Post by praetorian on Feb 22, 2018 22:22:17 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.
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miso
Posts: 25
Likes: 8
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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.
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