Mintos ist ein Marktplatz für Peer-to-Peer-Darlehen. Er verbindet Kleinanleger mit Kreditnehmern vieler Kreditgeber. Investieren Sie in Darlehen und verdienen. Das die Plattform nach wie vor einen Großteil des P2P Marktes beherrscht und der Erfolg dafür spricht, dass man bei Mintos einiges richtig. Dafür eignet sich diese P2P Platform Mintos bestens! Obendrein ändert Mintos dann auch noch seine AGBs, aber sowas von zugunsten des Unternehmens und. <
Was du über Mintos wissen solltest: Mintos ErfahrungenDas Mintos Handbuch: Erfolgreich in P2P-Kredite investieren: Ein Leitfaden für Privatanleger eBook: Wörner, Sebastian, Franzen, Sventja: pristinekatz.com Fragen zum Investieren in P2P-Kredite? Mehr als Anleger diskutieren zum Thema. Erfahrungen, Anbieter, Probleme, Tipps. Komm vorbei! Das die Plattform nach wie vor einen Großteil des P2P Marktes beherrscht und der Erfolg dafür spricht, dass man bei Mintos einiges richtig.
P2p Mintos Characteristics of Loans VideoP2P Lending Income November (Here's What Happened)
Our Mintos lender ratings are based on 5 characteristics — profitability, capitalisation, size, track record and the quality of their reporting.
We have allocated marks out of 20 for each metric, giving a total score out of Mintos have recently changed their ratings system, which is now a number from Mintos offers loans from many different countries around the world, and some countries are more risky than others.
To help investors assess the risk level of each country, we have published a country risk ratings page. This takes into account factors such as currency risks, sovereign risk and the local business environment.
We think it is worth considering these risks when building a portfolio allocation, in addition to the LO ratings above. Sun Finance has provided updated financials for its subsidiaries in Denmark, Poland and Latvia.
Each reported strong profits in the year to September. The results for Poland and Denmark were surprising, as other lenders in these countries have suffered from new regulations that have affected collection rates and profitability.
We have upgraded the ratings of these subsidiaries, but hope to learn more about how the Denmark and Poland subsidiaries have been able to perform so well.
The weaker subsidiaries in Vietnam, Mexico and Kazakhstan did not provide any financial updates. These subsidiaries receive a group guarantee.
However, as Mintos has a poor track record when it comes to enforcing group guarantees, we plan to continue rating these subsidiaries on.
Wowwo published its audited financial statements for We are normally happy to receive audited figures, but unfortunately the audit opinion was qualified in several different areas.
We have cut the disclosure quality score by 3 to reflect this. Our revised score for Wowwo is now Mogo's major problem is the growth in loan provisions as a result of growing levels of non-performing loans.
However it is also now feeling the impact of running significant FX risks from borrowing in Euros and lending in local currencies in.
This acquisition, and the price paid looks very questionable given the current circumstances of Mogo. Another factor to highlight is that a large proportion of the reported equity consists of subordinated loans.
This is lower quality capital than subscribed equity and there has been insufficient disclosures surrounding the terms of the instruments. Tangible shareholders equity after deducting goodwill and.
Ratings firm Fitch has issued a negative outlook. One positive of their analysis is that Fitch are treating the subordinated debt as equity after presumably having reviewed the terms and structure of the instruments.
Mogo announced that it had stopped lending in several countries, and was focusing on debt collection. These are probably sensible actions but they are not decisions that are made when things are going to plan.
The continued losses,. That means that the underlying result was only breakeven. Our score has been cut from 76 to We don't expect Placet Group loans to be listed much longer on Mintos.
Our score remains at ID Finance Spain recently provided a financial update that lacked much detail. Negatives are the very poor quality of financial reporting and what seems to be increased leverage of the business.
Our score has slightly fallen from 54 to Podemos is a strange Mexican lender. It seems to be run for profit but has social objectives.
Loans are all guaranteed by several people. The quality of information provided by the company is very poor. The business is currently mainly equity funded and it says it made a profit in the year to August.
That's pretty much it. Other Mexican lenders on Mintos have been performing poorly this year. Investors should be cautious.
Our initial score is We have decided to continue cutting the score of IDF Eurasia. They make us nervous because they continue to publish quarterly updates that seem intentionally designed to avoid providing any hard numbers like whether they made a profit or loss The Kazakhstan subsidiary that issues loans on Mintos appears to be performing adequately based on a recent bond prospectus we have obtained.
But for now, we are losing confidence in the group and will wait for solid information before we change our mind. Our new score is down 13 to Operating performance was stable, and we have retained our score of We had reduced their profitability score because it seemed that most of the profit related to a tax credit.
We have seen from other sources that was not the case and the presentation of figures is incorrect. We have increased their profitability score and reduced their disclosure quality score.
The net result is a net score increase of 3, to None of these loan originators were major participants in the Mintos marketplace.
Its unclear why they have left - Mintos has made no announcements. Iute released their Q3 report and the results continue to be strong. Our score remains at 77, one of the highest currently.
Placet Group has long been one of the strongest loan originators on Mintos. Placet has benefited from being mainly based in Lithuania and Estonia, which have had only small numbers of Covid cases so far.
Placet had only modest growth during 1H , and continues to have a conservative balance sheet structure. Our score is up 5 to Wowwo sensibly reduced the size of its loan book during 1H while still managing to grow its profit levels strongly compared to Wowwo is based in Turkey, which is another country that has not been as impacted by Covid as others, and it has a mostly young population.
The good performance in 1H , and strengthened balance sheet has led to a score increase by 3 to We cut Kviku's score ahead of the release of their 1H results.
Their published results were better than expected. The company confirmed that its FX risk is fully hedged. It was able to remain profitable, while slightly cutting lending and growing its capital base.
As a result their score increased from 44 to Both companies have had stable performance and as a result there has been no change to their ratings.
Several loan originators have not provided any financial information since Given it is now September, we see no reasons why, at a minimum, results have not been disclosed.
Creditstar published its results for 1H and we liked what we saw. This is good news for both Creditstar and also Mintos investors who own their loans.
We have increased their score slightly from 74 to 76, and continue to think that they are one of the better loan originators on Mintos.
Its non-performing loan ratios have been stable, and they were able to achieve a profit in 1H that was in line with their profit from the same period in They remain one of the highest rated loan originators, with a score of The Zambia and Botswana loans have been suspended by Mintos due to pending payment problems.
We have never been fans of any GetBucks loans. Our initial score for Finclusion is Evergreen is a small British payday lender.
They were profitable during However they significantly increased their leverage during Q4, which is why we cut their score from 51 to Iute also released their H1 report and we were impressed with the results.
We continue to view Iute as one of the best loan originators available on Mintos, and our score remains at Lendo, and Credilikeme.
In the early days of Mintos Lendo was one of the larger loan originators on the platform, but it decided to close down following regulatory changes in Georgia.
Investors have been paid in full. Credilikeme was a Mexican lender that never made much sense to us at all. It seems to us that Mintos decided to kick them off the platform, which we think is probably a good thing.
We don't like anything at all about this loan originator. We could tell you why, but we would be wasting your time. Sebo is a Moldovan lender that had been owned by Finko.
This is positive for Mintos investors, as Mogo is a stronger loan originator than Finko. We are removing our standalone score for Sebo now that it is part of the Mogo group.
Agrocredit is one of the oldest loan originators on Mintos. It lends to agricultural businesses and farms. It's never really made much profit, but it's never lost money either.
After reviewing the results, which were very similar to , our rating remains Their balance sheet remains conservative, and they seem to have been performing well through the Covid crisis, from what their CEO tells us.
Our score remains However we still have a few concerns. The main operations are in Russia and Kazakhstan, countries which are experiencing difficult times.
The company also has currency exposure. The company is slow to provide financial information, and lacks detail. Our score is down 4 to Tigo is a small subsidiary of the Finitera group in North Macedonia.
Their results were much better than the previous year - moving into profit and positive equity. However they are still overall a very weak company.
Almost all of their funding comes from Mintos, and there is no currency hedging at all. If there was a depreciation against the euro this could easily bankrupt the company.
Our score is Finko Group has somehow managed to suffer the loss of licences by two subsidiaries in the last 6 months - Metrokredit in Russia, and Varks in Armenia.
Things are not going well. They are now lending funds in Russia through a company called Kiva. It is like many other Finko subsidiaries, small and loss making.
In unserem Test schnitt Auxmoney am besten unter den deutschen Plattformen ab. Somit ist die Plattform als guter Einstieg in das investieren in P2P Kredite geeignet, da du als Investor dein Geld nicht so lange binden musst wie auf vergleichbare Plattformen.
Auch beim Mindestanlagebetrag steht Twino seinem lettischen Konkurrenten in nichts nach. Auf dem Sekundärmarkt von Twino könnt ihr wie auch auf Mintos eure Kredite wieder zum Verkauf anbieten.
Es ist jedoch nicht möglich, diese mit Auf- oder Abschlag anzubieten. Die Kredite werden dann einfach wieder in den Primärmarkt gestellt und stehen dort anderen Investoren zur Investition zur Verfügung.
In diesem Punkt steht Twino also Mintos nach. Auch beim Autoinvestor sind bei Twino kleine Abstriche zu Mintos zu machen da er sich weniger feinjustieren lässt.
Trotzdem ist der Autoinvestor top und kann fast alle Wünsche realisieren. Ebenfalls schnell erfolgt die Registrierung: Online-Formular ausfüllen, Kopie von Reisepass oder Personalausweis hochladen und fertig.
Alles in allem ist Twino eine absolut innovative Plattform, die Mintos nur in wenigen Punkten nachsteht und besonders mit sehr kurzlaufenden Krediten reizt.
Investments in P2P Kredite werden grundsätzlich zu den riskanten Anlageklassen gerechnet. Wer sich hier investiert, sollte sich bewusst sein, dass das investierte Geld komplett verloren gehen kann.
Denn je höher das Risiko ist, desto höher ist auch die Rendite. Deswegen raten wir dazu, das angelegte Geld breit zu streuen, auf verschiedene P2P Plattormen zu diversifizieren und die Investments bewusst auf diverse sichere bzw.
P2P ist eine Abkürzung für peer to peer, bedeutet in diesem Fall also von Privatperson zu Privatperson. Dadurch können Investoren zum Teil hohe Renditen natürlich zu entsprechendem Risiko einstreichen.
Finanzfluss Team Stand: 29 Juli P2P Kredite Vergleich. Falls du dich in P2P Kredite investieren möchtest, kannst du dich an diesen orientieren.
Der klare Sieger unseres Tests ist der lettische Anbieter Mintos. One of the better things about Mintos is definitely its autoinvestment feature.
Using that feature, you can create a Mintos auto invest strategy, which allows you to invest in loans without spending much time on actually handling your P2P investments on a daily basis.
Our advice: Set up a Mintos auto invest strategy to select loans instead of cherry-picking loans on either the primary or secondary market.
Your time is probably better spent elsewhere instead of chasing chicken feed. You can either use one of the predefined Mintos investment strategies or make a custom one for yourself.
The default Mintos investment strategies include a short-term strategy, a diversified strategy, and a secured loan strategy.
You can find more information about the strategies on their website. The easiest choice is clearly to go with one of the predefined strategies.
We actually recommend that you start by selecting one of the strategies you think fits your investment criteria the best.
After selecting the strategy, you can decide which currency it should invest in, whether it should reinvest and how much it should invest.
You might wonder how we choose to invest, and what our return using the platform is. Therefore we are going to give you insight in regards to our investment at Mintos.
Firstly we decided to set up a custom Mintos auto invest strategy. But instead of building the investment strategy from scratch, we actually went with the predefined diversification strategy made by Mintos.
For example, we excluded all loans without a buyback guarantee, as well as raising the minimum interest rate a bit. Our investment efforts for making this Mintos investing review resulted in the following numbers:.
As you can see from our account statement, we managed to get a weighted average interest rate of Where it can actually be a bit difficult to achieve the same return as there is announced on the website on other platforms, we found no issue with this on Mintos.
This is due to the fact that Mintos is the biggest platform with most loans in Europe. As there is a very low chance of Mintos cash drag occurring, we believe that the interest rate you get from Mintos is well worth it.
Especially in relation to the risk you take. Therefore, we also keep our auto invest strategy running for now. For different reasons, including to reduce the platform risk, investors could want to diversify more than one platform.
For example, this could be a very good idea for larger investors, as it is probably the best way to protect your money in case things go south on one of them.
You could also consider real estate crowdfunding instead of investing in P2P lending. To guide you on this, we have made an overview of some of the best real estate crowdfunding platforms.
To conclude our Mintos review, we want to address the fact that Mintos is one of the best platforms we have ever tested.
So whether you are a complete beginner to P2P investing or a P2P lending expert, Mintos offers one of the very best P2P lending marketplaces in the world.
The many features such as Mintos strategies, auto-invest, buyback guarantee, etc. But when you are getting comfortable with the platform, you will probably be glad for all the different features as it can make your investments tailored very specifically to your needs.
The tax report feature is also a great addition to the platform, which will make doing taxes a lot easier than on some of the competing platforms.
We also believe that their platform is very secure. However, you must be aware of having to activate two-factor authentication yourself.
In addition, the safety on the platform also depends on how you invest your money on it. But as long as you have your diversification in order and also only investing in buyback guarantee loans from quality loan originators, you will probably have a good and lucrative investment experience with Mintos.
Do you want to invest through the platform after reading our Mintos review? Then click on the button below to get to their website and create an account:.
Skip to content Menu Close. Overview of Mintos. We find the return compared to the safety favorable. Beginner Friendly. The Mintos marketplace is very beginner-friendly.
Investor Protection. Mintos has made a lot of safety measures. Investors get an average return of We Like. No investment fees Good diversification opportunities Huge quantity of loans available Possible to use auto invest Secondary market is available Mintos mobile app Easy tax reports.
Fee for currency exchanges 0. Sign up here. Last updated: October 20, Introduction to our Mintos review Over the past few years, there has been a lot of buzz around the European P2P lending platform Mintos.
Learn about the following in our Mintos review: What is Mintos? Main features What rate of return can you expect? Who can invest via Mintos?
Depositing and withdrawing money Is Mintos safe to use? Can I get a Mintos promo code? Set up a Mintos auto invest strategy How we decided to invest Mintos alternatives Conclusion of our Mintos review.
What is Mintos? How Mintos works Unlike some other P2P platforms, Mintos works by simply being a marketplace that connects loan originators and investors.
But what does it help if your loans are simply taken over by others? This is basically how the lending companies benefit from using Mintos.
Now Mintos is also taking some sort of cut for doing business with the lending companies. Best platform for diversification The fact that Mintos uses a wide range of loan originators instead of issuing the loans themselves means that they now have a platform with many different types of loans, in many geographical locations, issued in different currencies, from many different loan providers.
Mintos offers loans in the following areas: Car loans Mortgage loans Forward flow Personal loans Short-term loans Invoice finance Business loans Agricultural loans This means that on the platform you get a unique opportunity to diversify your portfolio as broadly as you want within the loan space.
In fact, we think they are the best platform when it comes to diversification. Award-winning platform Within FinTech things are moving fast, but Mintos is definitely not idling.
Excellent Trustpilot ratings Hundreds of thousands of investors have used the platform. Visit website. Mintos buyback guarantee One of the great things about Mintos is the buyback guarantee.
However, not all P2P loans on Mintos are protected by a buyback guarantee. If you go to the Mintos website, you will be able to check out how this looks.
Mintos secondary market Mintos was one of the very first P2P platforms in Europe to introduce a secondary market to its investors.
This enabled investors who invest in Mintos loans to sell their investments ahead of time. 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.
Mintos app In March , the platform established a dedicated Mintos team containing 11 persons for developing an app for the investors.
Mintos loan originator ratings Another feature we think should be mentioned in this Mintos review is the risk ratings on the platform. Mintos tax reports As the old saying goes, there are only two certainties in life; death and taxes.
Was ist eurer Zinssatz. In Rückforderung. Mintos Notes [ Gehe zu Seite: 1 , 2 , 3 ]. Neuer Kreditgeber: Zenka [ Gehe zu Seite: Zweitmarkt [ Gehe zu Seite: Kaufdatum und Zinsvergütung.
Mintos Risk Score. Darlehensanbahner Akulaku Südostasien - suspendiert [ Gehe zu Seite: 1 , 2 , 3 , 4 ]. Keine Benachrichtigung bei neuen Postings trotz "Verfol.