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Post by perpetualtraveler on May 2, 2016 12:06:53 GMT
Ok but if you have debt income forecast at 0% this wouldnt make much of a difference right?
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Post by perpetualtraveler on May 2, 2016 11:49:41 GMT
Does anyone have an overview of the types of loans typically offered on Mintos?`I can look at the primary/secondary market but I don't see creamfinance loans there (I guess because they are sold) so I wonder how complete this overview is.
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General EUR P2x Discussion
Žltý melon
May 2, 2016 11:17:41 GMT
Post by perpetualtraveler on May 2, 2016 11:17:41 GMT
Has anyone tried this site yet?
According to Altfi it got 3.6M in funded loans so far.
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Post by perpetualtraveler on May 2, 2016 10:34:41 GMT
Isn't the point of adjusting these numbers to get a - backtested -close fit between planned and actual receivables (perhaps with a percentage cushion) in order to predict the future? I get the closest fit at:
90% current principal forecast 35% deb principal forecast 75% current interest forecast 0% debt income forecast
Crappy 8.24% lifetime net return forecast...
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Post by perpetualtraveler on May 2, 2016 10:12:47 GMT
Thanks! Is there an explanation of these numbers somewhere? If not, can I find the actual sheet somewhere?
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Post by perpetualtraveler on May 1, 2016 15:52:08 GMT
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Post by perpetualtraveler on May 1, 2016 15:40:52 GMT
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Post by perpetualtraveler on May 1, 2016 12:49:29 GMT
it would also be interesting to know at what level of discount 60+ overdue loans (in lets say the collection stage) become worth it to buy.. I see 52% recovery rate quoted by Bondora, so perhaps any discount above that could be worth to be in small amounts spread out over many loans?
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Post by perpetualtraveler on Apr 30, 2016 18:51:29 GMT
Thanks for the link, not sure how to use this.. do you have any tips on where to look?
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Post by perpetualtraveler on Apr 30, 2016 10:52:33 GMT
At what price discount do 60+ overdue loans typically sell?
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Post by perpetualtraveler on Apr 29, 2016 15:08:04 GMT
Thanks, I saw your page, but it seems to be UK investor focused and doesn't contain many continental platforms.. I understand that the headline numbers dont include defaults, happy to investigate this myself, but to get a good first idea it would be great to get an overview of headline numbers. Right now it's very difficult for new investors to find and select the right platforms, I looked at the biggest on this page: www.altfi.com/data/indices/EURvolume but stats can be difficult to find. Ideally I'd like to find the providers with the highest interest rates (doesnt matter what currency) but only those that are more 'established' (ie have significant numbers of investors already), take European clients and have the platform in English. The "Net Rate (AER)" column will be the return after predicted bad debts, so you can compare those figures. The P2P Finance Association require their members to publish this data, but some of the European companies either do not publish this data or use different metrics that make comparisons a lot harder. Yes and thats why it would be good to just get the headline rates with some comments and experiences in one overview. Some data is better then no data IMO.
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Post by perpetualtraveler on Apr 29, 2016 11:20:09 GMT
Information supplied by platforms is sometimes not that useful or reliable. I find it useful to follow experience that long-time investors using these platform made. While past performance allows no predictions about the future, at lease you can compare their returns with the predictions on yield that the platform itself provides. True, it would be great to find a site that collects anonymized user performance data on all platforms. Whats available on the internet now for the various platforms is pretty limited from what I have found...
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Post by perpetualtraveler on Apr 29, 2016 11:17:30 GMT
Thanks, I saw your page, but it seems to be UK investor focused and doesn't contain many continental platforms.. I understand that the headline numbers dont include defaults, happy to investigate this myself, but to get a good first idea it would be great to get an overview of headline numbers. Right now it's very difficult for new investors to find and select the right platforms, I looked at the biggest on this page: www.altfi.com/data/indices/EURvolume but stats can be difficult to find. Ideally I'd like to find the providers with the highest interest rates (doesnt matter what currency) but only those that are more 'established' (ie have significant numbers of investors already), take European clients and have the platform in English.
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Post by perpetualtraveler on Apr 29, 2016 10:54:47 GMT
Is there a good site with average return by platform?
I'm specifically interested in the ones open to European investors and available in English. I'm currently using Bondora and testing Mintos and Twino.
Thanks!
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