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Interest loan | interest credit



Do people who are interested in a loan know customs and are they prepared to take on the role they are looking for? Is there an interest or overdraft on the investor’s account? 

At what time are interest rates or returns dependent? Are there any fees associated with returning the loan from the smava Investor account? Is there an interest or overdraft on the investor’s account? Is it possible to bid by hand on a credit project for which the bid wizard has already submitted an offer? May I later revise or cancel my bidding assistant?

No, loan balances are not interest-bearing and there is no overdraft facility. The account is used exclusively for the settlement of investment transactions.

Interest, Bonds, Loans

Interest, Bonds, Loans

The present work deals with the money and capital markets as well as the risk management of bond portfolios, taking into account the associated interest rate, currency and credit risks. It is aimed at students who are looking for a career in finance, investments, portfolio management, asset management, credit management or management consulting – whether in a house bank, an asset manager, a consulting firm or as a self-employed person.

Then, “interest rates, bonds, loans” should apply to those who already work and take over the tasks of investment consulting and credit check. Of course, the work is just as open and accessible to all people who pay particular attention to financial investments, perhaps because they invest private assets. 

Investing in Nevaldu 

Overview of Bondora 

I have been investing in Nevaldu since September 2015, which is now 33 years, or in three years it would be three years. This article now looks at the overall evolution of my interest income based on the platform over the entire period. Why do not I wait three more steps until the three years are full?

Nevaldu differs from Nimrea in its ease of access to statistics, which is provided in the simplest and most user-friendly way. This investment only affects the classic P2P credit facility with Nevaldu, ie without Go & Grow. Very short to my plans for Nevaldu: At the moment, I’m not investing, but I’m withdrawing until the percentage of P2P loans in my portfolio is 50 percent, and not beyond, as before.

I transferred my first EUR in the month of November 2015, I received my first interest rates in the month of November, as the loans are directly financed and therefore have a certain delivery time. Currently, EUR 6076 will be invested with a yield of 13.48 percentage points before tax over the past 12 months. The loan with the lowest interest rate in the portfolio has 8.3 percentage points of that with the largest 260 percent.

42 percentage points of the loans are outstanding for more than 60 days. To what extent did Nevaldu’s interest income change? My net interest income per calendar month has dropped lately, these are the thicker red bars. My account history at Nevaldu can be seen here: The small staircase to the top comes from the interest income, which I always enter at the end of the month.

The fact that I can go down a larger staircase, has the reason that in addition to the interest and the money is paid back, which is not to be seen here as an additional increase. But my expenses alone do not justify the current decline in interest income. With 88.32 EUR in the month of November 2017, I had the best net interest rate in the world so far. 70,72 EUR Interest rates now follow in the month of November 2018, minus 31,40 EUR Unpaid capital makes 39,32 EUR gross.

In addition to the debtor’s unwillingness to pay, however, there is much to do with the recoveries, ie the amounts collected later by debt collection. Looking at the “recovery” green line in the “recovery cash flow” statistics from the chart, it turns out that, on average, more and more recoveries are part of the turnover.

At Nevaldu, I once again asked: The cash flow from the repayment has also been included in the table of net interest income. Euro interest received.  EUR from recoveries. However, even if it remained at the same level as last month, with a net interest rate of around EUR 35 and a holding of just over EUR 6 000, it would not be a loss-making business, but would still have a year-end yield of just under 8%. E. or slightly less than 6% after EE


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