Investieren Sie in Kredite und verdienen Sie ein passives Einkommen. Wir verbinden Sie mit Tausenden von Möglichkeiten weltweit auf unserem Marktplatz. Hier können Sie mehr darüber lesen mikerlewis.cominvestieren-und-risiko/. Wir empfehlen auch immer das Portoflio zu diversifizeren. Wenn. Bewertungen für Mintos Deutsch | Sterne von Bewertungen für mintos.com/de | Alle Bewertungen, Erfahrungen und Berichte - gesammelt durch eKomi.
BewertungszertifikatEffective immediately, loans of both lending companies are suspended from the Primary and Secondary Markets on Mintos. Following the. By connecting to the Mintos platform, loan originators get instant access to investors that are looking to purchase loans. Unofficial mikerlewis.com app. App contains. Martins Sulte, Mintos Co-founder and CEO will share more about the Mintos experience and how we're adjusting while “Navigating the Challenging Times for.
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That way, you minimise the chances of having to sell loans prematurely, potentially at a time that is not advantageous. As of Mintos is extremely liquid meaning that you can throw thousands of Euros at the platform and see them invested within minutes, and conversely, you can also sell your loans on the secondary market within a day or two.
Although it is not currently a problem, it could become so at any point in time, even though it might only be for a short time. If there is a surge in popularity for P2P lending platforms, we will have a situation where lots of lenders are competing to lend while there are not enough borrowers, which will result in a higher cash drag, because you have to wait your turn.
Cash drag is not usually anything like that much. Moreover, Mintos is currently the biggest platform in Europe and has proved itself to be competent by providing great communication with its investors as well as a very liquid primary and secondary market for loans for several years now.
This means that when you convert back to Euro, you might lose money depending on how the rates have moved in the meantime. This could, however, also be an opportunity to make extra returns.
I like to keep things simple myself so I only invest in Euro. I also use Mintos to minimise the cost of currency conversions. In your dashboard, you will sometimes see some money that is marked as pending payment.
This means that Mintos is gathering the money and preparing it for distribution. The interest on pending payments is 1.
The interest will be calculated for both the principal and interest and the calculation will begin after the settlement period 7 days has ended.
You will, therefore, have to declare the income in your country of residence, as explained in further detail in my post about P2P lending platform taxation.
Do you recommend just investing in Mintos or do you recommend spreading your money across different platforms? Mintos is my preferred platform and its where I invest most of my P2P portfolio, but I would always recommend spreading your capital across different platforms.
You can have a look at my returns on different P2P platforms in and my post about the top P2P platforms in Europe for Every platform has its own average return and that also depends on the amount of risk that you are assuming with the loans on that particular platform.
You can read about my returns on different P2P platforms here. Anything less than that is not worth the time and hassle in my opinion.
For now, you could have a look at my article on the best P2P crypto loan platforms. I am a bit worried about having a significant number of loans that are late.
Is it normal? How long would it take for me to sell all my loan portfolio should I need quick liquidity? In the end, you might have to give up an equivalent of a week or two of interest income to sell your loan portfolio, which I think is a good tradeoff.
Mintos calculates the positive gain on a loan-level for investments on the Secondary market. For example, if an investor invested into a loan this year and it will be fully repaid only the next year then in the capital gain of this year the gain will not be calculated as the income from the loan is lower than the invested amount.
Unfortunately, it is not easy to calculate as Mintos looks at all the previous years as well. Here is an example: In an investor invested 90 EUR in a loan and in that year he received EUR from the borrower and the loan finished.
Then for , the capital gain will be 10 EUR. If however in an investor invested 90 EUR into a loan and only half of the principal was repaid, then for the capital gain will be 0 EUR.
If the loan will be repaid in full in and the total funds received will be EUR, then the capital gain for will be 10 EUR etc. The growth of this platform and consolidation of its place as the biggest European P2P lending platform is there for all to see.
During , revenue increased more than four-fold to over EUR 2. According to the published financial statements, was another profitable year for Mintos, although the profits were lower due to aggressive expansion which meant having higher expenses.
This means a lot to me as an investor. They are basically pre-configured auto-invest systems, with the added bonus of having immediate liquidity through the secondary market if you need the funds invested for other purposes.
According to Mintos CEO Martins Suite, the plans for the immediate future also include the launching of a debit card that will take Mintos beyond being just a lending platform.
Banks and Fintechs are currently engaged in full-on competition, but Fintechs have the edge when it comes to technology, so it makes sense for platforms like Mintos to encroach on traditionally banking domains like debit cards and challenge them in this way.
The inclusion of a debit card within the Mintos platform also means that investors will now have a very easy way of spending the profits from their investments.
Instead of having to request a withdrawal and wait a few days for the money to get to their account minus potential fees , investors will now be able to pay directly with their Mintos debit card.
Yet another advantage that makes things easier for us investors. The Mintos mobile app, another new addition in , provides a significant differentiator for Mintos when compared to other competitors in the space.
My background is in creating software so I know a well-made product when I see one. There are no such mishaps with the Mintos app. It has a light and dark mode white or black background and it shows you all the most important stats about your investments.
You can also withdraw or deposit money directly from the app, and soon you will also be able to operate in the primary and secondary market. With that last feature in place, you will most likely never need to login to the website again.
These are all stats that are also available on the site, but they are not as easily and readily available.
The mobile app for iOS should be publically launched in the first quarter of , and I look forward to that event as it will surely put Mintos in a very privileged place when compared to its competitors, while at the same time offering great comfort to us investors.
I believe they will have no problem in raising this amount. We can see the cumulative number of investors on the Mintos statistics page, however, there is no clear indication of how many joined users joined every month and more importantly how many of them are even active.
Many users can sign up but then never invest, and that is not reflected in the stats. The same goes for the investment volumes section of the statistics.
This would give a clearer of volumes month by month. It is a catch-all for recently issued loans that have not reached their first repayment date, as well as those loans which have been paying back principal and interest successfully.
There is obviously more uncertainty and risk with loans that have not started their repayments, so they should not be bundled together with the others that are being repaid already.
There are some long-standing doubts about the ownership of Mintos and its relation to some of the loan originators on the platform.
The ultimate beneficiary owner of Mintos is Aigars Kesenfelds. At the same time, he owns no shares in any company.
Since June , the number of businesses in which Kesenfelds is registered as the true beneficiary has increased by a total of 19 companies. I have previously criticized Mintos over its lack of profitability and lack of transparency in the ownership structure.
However, both issues are now solved, as Mintos is profitable and has a healthy cash balance in the bank, and the shareholders and original founders are clearly mentioned on the site now.
Many people are skeptical about P2P lending platforms and prefer to diversify their investments across multiple platforms in case things go south on one of them.
While I think Mintos is currently the best platform in Europe, there are others that are right up there vying for that number one position with Mintos.
They would be worth looking into and possibly used to diversify your portfolio along with your Mintos investment. Another related sector you can consider for investing at good rates is that of crypto-backed loans.
Basically, the idea is that borrowers provided their crypto as collateral when obtaining funding. You can read my review of the best crypto-backed lending sites for more information.
YouHodler and BlockFi are my favorites. I think one should be realistic and understand that this is an area of investment with a certain degree of general risk, and I would like to see Mintos to improve in certain areas as mentioned above, however, when I balance the risks versus the return I feel that investing in such platforms, and Mintos in particular, is justified.
I keep a certain part of my net worth constantly invested in P2P lending platforms to take advantage of their fantastic returns, and Mintos by far holds the biggest portion of this investment.
I have no plans of changing that in the near future as I have been very happy with the performance so far. Therefore, we can wrap this up by saying that Mintos comes highly recommended from me.
Join Mintos today. I highly recommend Mintos for any P2P lending portfolio. Jean Galea is a dad, amateur padel player, host of the Mastermind.
I just would like to say i really Hate mintos.. And mintos is doing nothing about it.. However loan originators going bankrupt is not terribly uncommon, especially in the current economic crisis we are in.
However, Mintos just released their Consolidated annual report for the year a few days ago on I was interested what are your thoughts on that?
Good point Georgi, the answer to that question is that Mintos was in high growth mode in and they hired many people in order to expand into other countries and attract both new loan originators and new investors.
The funding they have allows them to run at a loss while pursuing growth, but as a model it is profitable. Thanks for getting back to me on that one — appreciate that!
I thought they were out of that stage after the reported profitable year, but apparently they were still expanding. Investir avec Mintos.
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Accueil Entreprise Mintos. My personal return over the past years is currently at I've also been investing in the platform since August , and the returns have always been consistent.
However, there are many things that are included on Mintos to make sure that you only take a reduced amount of risk when investing on the platform.
For the investor, that means that even if the loan goes to default, the loan originator will actually engage a procedure to sell the asset and redistribute the money to investors, significantly lowering the potential loss after a default.
Also, a lot of loans on Mintos also come with a buyback guarantee, usually with secured loans. This means that even if a loan defaults, the investor will be paid back by the loan originator, that will then handle all the money recovery process on their side.
Therefore, you are sure as an investor to always get back the money that you invested. I actually invest only in loans that come with this buyback guarantee on Mintos, and I really recommend you do the same if you decided to invest in this platform.
First, what you need to do is to open a free account on their website. This usually takes less than 5 minutes, including a step where they will ask you to verify your identity.
The next step is then to deposit money on your account to start investing. This is also really easy to do, as they provide different bank accounts that you can use to make them a transfer, depending on which currency you want to use.
As for all platforms I review, I tried to withdraw money from the platform as well. Por otro lado, no se mucho de este mundo pero entiendo que los prestamos B- o superior, cuanto mas a corto plazo sean mejor para la rentabilidad no?
Veo que hay algunos en mercado primario con categoria B- y vencimiento en muy pocos dias. No se si me puedes orientar sobre esto. Muchas gracias.
Luego, si hay retrasos con el pago es posible que la rentabilidad no sea la estimada en un primer momento.
Tengo un mes de cliente en Mintos un 2. Hacen que dude de la plataforma he sido directivo del principal banco de EE.
UU entiendo el riesgo de estas inversiones pero su analisis profesional del scoring de riesgo es preocupante. Sin contar la falta absoluta de respuesta mi disconformidad la hare publica lamento sinceramente la falta de respuesta.
Como referencia, he utilizado un filtro contrastado similar al vuestro y ha resultado en unas 20 entidades.
Si es por un tema de anonimato, porque se esconden? Es posible que sean clientes que la banca no quiera financiar por su perfil de riesgo de impago?
Siguiendo los pasos, he empezado a invertir en Mintos personalizando la estrategia. Gran aporte. Tu pregunta es muy acertada.
Efectivamente, es el concepto. Iba a poner …….. Esta web usa cookies para mejorar tu experiencia.
Algunos de los premios de Mintos.10/8/ · What is Mintos? Mintos is a Peer-to-Peer platform based in Latvia and is currently the largest Peer-to-Peer lending platform in Europe, with nearly 3 billion Euros worth of loans funded since the creation of the mikerlewis.com currently have over investors, coming from all over the world. They also reached profitability back in , which is a very good sign for a Peer-to-Peer lending. Enviar una solicitud Iniciar sesión. Empezar Seguridad Verificación Añadir fondos. Mintos. Polski Čeština Deutsch English (US) Español Latviešu Nederlands Русский Čeština Deutsch English (US) Español Latviešu Nederlands. Iba a poner ……. Session HTTP yuidss yandex. Un saludo y Mintos.Com Responder. Yet another advantage that makes things easier for us investors. As far as i remember from your post as well, Rune Düsseldorf have not Vodka Three Sixty 3l such information as well, except for the portfolio defaulted due to bankruptcy of the loan originator. If however in an investor invested 90 EUR into a loan and only half of the principal was repaid, then for the capital gain will be 0 EUR. I was interested what are your thoughts on that? The only Glücksspirale Zahlen Von Heute to mitigate this risk is to keep an eye on the profitability of the loan originator. Yes I had, The Division Fazit problems whatsoever, they arrive within the usual days in the bank account. As of 25th July I am seeing a Mintos macht Investitionen in P2P-Kredite leicht. Investieren Sie in Ihre finanzielle Zukunft und verdienen Sie mit unseren attraktiven Zinssätzen ein passives. Mintos ist ein Peer-to-Peer-Marktplatz für Kredite. Er verbindet Kleinanleger mit Kreditnehmern vieler Kreditgeber. Investieren Sie in Kredite und verdienen Sie. Effective immediately, loans of both lending companies are suspended from the Primary and Secondary Markets on Mintos. Following the. Hier können Sie mehr darüber lesen mikerlewis.cominvestieren-und-risiko/. Wir empfehlen auch immer das Portoflio zu diversifizeren. Wenn.