Sebo mintosOn 27.12.2020 by Talar
The secret is to have a strategy that provides high returns while having loan originators which haves buyback guarantee and interest on delayed loans. This way, you will accrue interest on delayed loans, and if they are more than 60 days delayed they will be bought back with interest. If you are here it means you must be just as confused as I am when it comes to the many loan originators at Mintos.
It is difficult to choose the right loan originators…. Mintos is the biggest P2P platform in Europe. They have over Furthermore, Mintos consistently has As an investor, you can invest in multiple countries, with different credit rankings, from low to high-interest rates and in multiple currencies.
All of this is due to the hard work done at Mintos. Lastly, there is a buyback guarantee on a lot of the loans to secure your investments.
For me investing is all about profit maximization. However, I will not compromise with the safety of my funds. Therefore, there are some specific details I look at when determining which loan originators should be in my portfolio. While I could go do a due diligence process for each of the loan originators, I feel like there is no need to invent the wheel.
Furthermore, I look at the statistics from the different loan types and the loan originators associated with each of the loan types. Then, I value a buyback guarantee more than almost any of the other criteria, so of course, that has to be a parameter for my portfolio as well.
What I love just a bit more than buyback guarantees is accruing interest on delayed loans. In the following sections, I will describe how I use each of the criteria to select a high yielding portfolio while having a relatively high safety from defaults Never experienced a default using this strategy, with a year of investing on Mintos. The rating is used to describe the state of the loan originator.
Their version of a rating system is much like I would conduct the due diligence myself anyway.
Try and imagine you were to invest in stocks. The moderate category describes the maximum risk I am willing to take in a company. I would never invest in a company with financial distress, or not capable of recovering the losses. The overall performance for the moderate loan originators is stable, but with some variations. While Mintos has already included this in their rating, I always take a look at the statistics from time to time.P2P Kredite Anbieter Vergleich.
Mintos related Loan Originators Verbind. Verfasst am: TimMei90 hat Folgendes geschrieben:. Nach oben. Rick Lusitano Anmeldedatum: Mintos is applying to have an e-Money license and to have a payment card. Rick Lusitano hat Folgendes geschrieben:. Rick, I also found the connection of the Latvian SIA ExpressCredit brands Banknote and Vizia with Varks as you did via the one board memberbut why you assume that the Latvian ExpressCredit has anything to do with the African one that happens to have the same name?
What is the source here? But which proof is there? Pyro Anmeldedatum: But I found another link from ExpressCredit to Finitera. Not sure what this site is, any thoughts?
I find the additional Finitera companies interesting as well as the Finko list Pyro hat Folgendes geschrieben:. Finitera, an international fintech group operating in four markets with branches employing employees and with a share capital of 8 million EURwas in the final stage of changing Monego shareholding structure and adding it under Finitera direct ownership.
Although the work on reorganization was not finalized and as such Monego is not part of Finitera, Finitera has decided to grant a guarantee for certain obligations that Monego holds towards investors on Mintos.
FYI: Mindi. Just as outlined in one of my last posts, here we go : Zitat:. Check the Lendo report, it is clearly stated that Varks and Lendo belong now have tight links, Varks bought them this year a couple of months ago.P2P Kredite Anbieter Vergleich. Mintos related Loan Originators Verbind. Rick Lusitano Anmeldedatum: Verfasst am: Not to create panic and exit from the investments or that people should reinvest more money in any investment.
Everyone should decide for themselves the risks they wish to take. The so called: Zitat:. Nach oben. Rick Lusitano hat Folgendes geschrieben:. Scottyffm Anmeldedatum: Scottyffm hat Folgendes geschrieben:. Claus Lehmann Site Admin Anmeldedatum: Both share the same address: Zitat:. Claus Lehmann hat Folgendes geschrieben:. Rolf Anmeldedatum: Later at one point we were able to talk to someone within the company, but at that point we didn't even care any longer to be quite honest.
We came to the conclusion that this is more or less paradigmatic for the whole of the business. Check the Lendo report, it is clearly stated that Varks and Lendo belong now have tight links, Varks bought them this year a couple of months ago.
Mintos Loan Originators – Learn To Select High Profits
What does this mean for the group Lendo used to belong in, still active? Getting nested! You should also list all originators in the first thread and mark those that have no known connections as singletons or whatever so it becomes easier to get the overall picture.
Right now many are missing. Important thread! From the website of Varks: Zitat:.This is likely to lead to signifcant losses for Mintos investors as a high proportion of Eurocent customers defaulted on their loans.
Since then there have been defaults and issues with several other lenders, including Aforti and Rapido. These events have inevitably led investors to pay more attention to the quality of the other lenders on the Mintos platform. That led us to create this page — our Mintos lender ratings. Our goal is to provide investors with key information on each lender, and a rating score to help highlight those that are lowest and highest risk.
On 7th August Mintos announced that it was suspending primary and secondary market loan purchases relating to Aforti Holdings of Poland due to non-payment of collections to Mintos. For some reason it decided against starting litigation and instead spent the next 6 months negotiating an agreement with Aforti to recover the funds.
It was not made clear why this was considered an optimal strategy for Mintos investors, but presumably Mintos thought that recoveries could be higher and faster if Aforti remained in business. On 5th February Mintos announced that an agreement had been reached.
Mintos has now announced that Aforti has failed to make the scheduled payments, and Aforti was finally given a D rating. In our view this shows that the strategy taken by Mintos so far has been a big failure, and hopefully lessons will be learned. Mintos have not stated what their next move will be, but it will surely be to make an insolvency petition against Aforti.
Small Ukrainian lender Alex Credit has been suspended by Mintos for failing to make the payments due to investors. The company has committed to make the payments due, but there has to be some doubts about their ability to fully repay investors. The company last reported their results in Marchwhich showed that the business was profitable but very small.
Mintos has announced that a major subsidiary of Finko, Varks, has lost its lending licence. It appears to be due to the company not holding sufficient capital to comply with the legislation in Armenia. A further statement was made today by the CEO of Finko group. The basis for claiming that Varks is not complying with capital rules seems to be an assessment by the Armenian regulators that inter-company loans should be treated as having zero value. This does not make much sense to us, and we wonder if there are political or other factors at play.
In the meantime a liquidator will be appointed to continue operations and manage the collection of outstanding loans. So where does this leave Finko? It seems difficult to understand how the company can survive after losing such a large component of its business. The equity and profit figures the CEO quoted for Varks for are pretty close to the same figures that they have announced for the overall Finko group. In other words, there seems to be little equity or profit in the other subsidiaries.
In theory Finko will be able to recover the equity it holds in Varks, but that may take a long time, and will be dramatically impacted by the closure of the business and the costs associated with it. As a result we now think that the recently announced Finko group guarantee is probably no longer going to be effective, and investors will need to look at each subsidiary on its own merits. The events in Armenia makes all Finko loans on Mintos much higher risk than they were previously.
The decision is published here. It appears that regulators found several technical breaches relating to accounting records, compliance, capital levels, lending practices and several other deficiencies. As a result of this, new lending will cease. However we think this shows that it can be challenging for smaller lenders to have sufficient scale to have enough people and processes in place to make sure that they are in full compliance with all the relevant rules and legislations.
On 5th March the British company that operated Peachy went into administration insolvency. Further details were provided by Mintos on 6th March.
Peachy seems to have suffered from a growing trend in the UK where customers are increasing the number of complaints against borrowers. This has led to significant additional costs for lenders in providing compensation and also the charges levied by the FOS.
We had rated Peachy only 22 out ofso the insolvency was not very surprising to us. The business scored poorly due to its negative equity and loss making history.Slide title Write your caption here. Sebo's - Everything, including the kitchen!
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