Ria Formosa (RF)And indicates to all or any of my friends to test a site that is dating? ChinaвЂ™s P2P financing industry has soared quickly and peaked at 2, SeriГ¶se Unter anderem kostenlose Partnersuche vielmehr As part of den. Fahrtechnisch hat Andi die Nase vorne, raffinierter ist jedoch Stefan. Wenn' s sein muss, lässt er während der Gipfelrast Luft aus Andis Reifen. "Andi, ich glaub'. partnervermittlung herzblatt partnervermittlung ukraine seriГ¶s singletanz oldenburg What is P2P video surveillance? What is a p2p camera?
Mintos SeriГ¶s Overview of Mintos VideoWhat is Mintos? - P2P Lending - A Safe 11.8% Return? Business standard. We monitor them in real time. In Germany, P2P lending is growing fast in recent years and is regulated under Federal Financial Supervisory Authority. The present day Western Hockey League franchise of the Prince Albert SkarabГ¤us Spiel were formed as a Meistertitel Deutschland Junior A team in This means that when you convert back to Euro, you might lose money depending on how the rates have moved in the meantime.
One of the great things about Mintos is the buyback guarantee. Essentially, the buyback guarantee is a guarantee issued by the loan originators to the investors.
Through the guarantee, the lending companies on Mintos promise to buy back a particular loan — if the borrower is more than 60 days late with payments.
Here you will be paid both the nominal value of the outstanding principal as well as the accrued interest. On the individual loan, you will be able to see if it is protected by a buyback guarantee by looking for a shield.
Loans marked with a shield on the loan list are protected. Please be aware that the different lending companies on Mintos can have different terms.
For example, it is not certain that all the lending companies are paying interest on delayed payments.
By visiting the primary or secondary marketplace on Mintos. You can visit the website here. Mintos was one of the very first P2P platforms in Europe to introduce a secondary market to its investors.
The feature quickly became very popular, and a lot of other crowdfunding platforms later implemented similar features.
However, to this day Mintos still have one of the best secondary markets in the industry. Some investors have been able to sell millions of Euro worth of loans in just a few days on the secondary market.
So if you want to sell a smaller portfolio of loans then it should not take long. It is really easy to buy and sell loans in the secondary market.
If you would like to buy a loan there, you can find the secondary market as shown above on Mintos website. Here you can find exactly the loans you want to buy through various filters.
Some investors try to find good deals in the secondary marketplace, but we do not recommend that you do it manually as it can be a very time-consuming process.
In Mintos secondary market, it is possible to invest via auto-invest in the same way as you can in their primary market. In our opinion, it makes much more sense, since you do not have to spend hours manually selecting the loans.
If you want to sell your loans, then the secondary market is a great tool. Here you can sell the loans you own in a very short time.
You can either choose to sell individual loans or sell all your loans at once. You should be aware that there is a 0. The fee only applies if you are a seller and not if you are a buyer.
If you need cash quickly, you may want to consider selling your loans at a small discount. Then they will be picked up more quickly by investors looking for a bargain.
At Mintos, it is possible to sell and buy loans with discounts, at par value, or with a premium on the secondary marketplace.
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.
However, you can use this to your advantage by buying up a lot of bargains. In March , the platform established a dedicated Mintos team containing 11 persons for developing an app for the investors.
In December , a beta version for iOS was released, and later, in January , the Android version followed. With the release of a mobile application, Mintos aims to make it easier than ever to invest in loans from its marketplace.
At this point in time, not all features you can find on the website are yet available on the mobile application. However, Mintos is currently working towards implementing more of the web features on the app.
But at the time being, many investment features are not available for mobile. And even if you want to use the Mintos mobile app, you will still have to sign up via the website first.
Another feature we think should be mentioned in this Mintos review is the risk ratings on the platform. In , Mintos became the first P2P lending platform in Europe to introduce loan originator credit ratings.
So whether you deal with loans on the primary market, the secondary, or when you are making use of the auto-invest features on the platform, you will quickly notice a risk rating connected to the loan originator of the respective P2P loan.
Essentially, the Mintos rating is made to make it easier for the average investor to understand the risk associated with a Mintos loan originator of a specific loan on the marketplace.
If a loan originator has a bad rating, there could be a higher chance that they will not be able to fulfill their obligations like buying back loans with the buyback guarantee.
The rating is based on a specific assessment methodology conducted by Mintos. The methodology contains five main areas which are operating environment, company profile, management and strategy, risk appetite, and financial profile.
This methodology is very similar to how credit rating agencies like Fitch rate investments. In this part of the risk rating, Mintos take a look at the regulatory environment surrounding the lending company.
Here, effective regulatory institutions and law enforcement are viewed positively. Here, factors such as market position, product offering, and organizational structure are assessed.
When considering the management and strategy, Mintos looks at the experience of the management in the company as well as their track record.
Other factors like budgeting quality, timeliness, and transparency are also assessed. Here, factors such as underwriting standards, market risk, and risk controls like usage of credit bureaus are assessed.
This is naturally one of the most important parts of the rating due to the fact that a company with a bad financial position can impose a lot of risk to the investors.
When Mintos assess the financial profile of a company, they do so by looking at loan portfolio metrics such as the amount of non-performing loans. They also look at the overall profitability of the company as well as factors like leverage, funding, and liquidity.
According to the assessment methodology, roughly speaking, the loans with low risk should be safer than the loans with moderate risk, and so on.
So before you start investing in P2P loans with high risk on the platform, we highly recommend that you think about your own risk tolerance.
You might benefit from looking at the image above before making various investments and auto-invest strategies on the platform.
As the old saying goes, there are only two certainties in life; death and taxes. In the following part of this review, we will touch a bit on the latter in regard to Mintos.
One of the main concerns of investors wanting to do P2P lending is how difficult it really is to do taxes of the returns. But in early , Mintos actually made it quite easy to do taxes as they released the tax reports feature.
This made it possible to do taxes very quickly and we were able to do them in just under 20 minutes! A thing that probably should be mentioned is that it is not certain that you will be able to do this as quickly as it can depend on the tax system of where you live.
Currently, you will only get specific tax reports from Mintos if you are a tax resident in Estonia, Germany, or Latvia.
However, we can show you how easy a tax report can be created. Simply follow these steps:. In our experience, it takes a few minutes before the Mintos tax report is actually sent to the email.
In the tax report, you will get an overview of the following:. When you have received the email, it is your responsibility to actually do the taxes.
This feature, for investors with a larger portfolio size, was introduced at the end of For example, a personal Investor Service Associate will be connected to your account.
With that person, you can discuss questions about the platform and much more over phone or email. You will also be able to get priority customer support.
Mintos strategies are 3 new automated investment strategies launched in August In the following, you can see how the 3 Mintos investment strategies on the left-hand side compare to making a custom strategy on Mintos:.
This makes the Mintos investment strategies an excellent choice if you want the most hands-off investment experience.
This is due to the very fast access to your money if you want to sell your investments. Would you like to try out Mintos investment strategies? Then click the button below to visit Mintos and create an account.
From here, you can easily go from reading this Mintos review to start using the strategies for your investment portfolio:. The average net annual return for investors on the platform is currently around Since this is what investors receive on average, you can reasonably expect the same return rate.
If you have a higher risk appetite, it is also possible to choose loans with different local currencies with the possibility of higher returns.
Compared to other traditional asset classes like deposits, bonds, stocks, and real estate, Mintos is currently outperforming all of these:.
Even though the return at Mintos is higher compared to other asset classes, the return you can get at Mintos is actually much in line with what you can find at similar competitors like PeerBerry and FAST INVEST.
If you want to see how much this account to over in the long term, you should try out the Mintos interest calculator:.
But if you are on a computer, you can access the investment calculator by clicking the button below and scrolling down a bit on the landingpage:.
It is both possible for individuals and companies to invest with Mintos. This makes the platform an obvious choice whatever the structure of your economy is.
As an individual, there are a few, but clear rules for what it takes to enable you to invest through the platform:. If you live up to the above requirements as an individual, you can invest through the platform.
If you would like to invest as a company, this is also possible. Because there are very few requirements to be allowed to invest through the platform, it is possible for the vast majority of people to invest via Mintos.
Below you can see a map of which countries the current investors are from. As you can see, Mintos is an almost world-wide platform with users spread all over the world.
So most likely, also you can reap the benefits of using Mintos. If the map is not marked with investors in your country, it does not necessarily mean that it is not possible for you to invest through the platform.
Would you like to sign up as a Mintos investor? Then click the button below to go from reading this Mintos review to actually investing on their platform:.
One of the first things you need to do when you start investing on Mintos is how you go about depositing money into your account. This can be done using a lot of different methods, which are dependent on what country you are from.
Among others, you can add funds to your Mintos account with SEPA transfers, Trustly and Transferwise. When you for the first time start the depositing process, you will be asked to verify your identity with a national identity card EU only or passport.
When you have finished doing so, you will be able to select your desired method of depositing funds to Mintos. Before you can withdraw any money from Mintos, you must make sure that none of the money you want to withdraw is currently invested.
If you have some money you want to withdraw invested in P2P loans, you must first sell them on Mintos secondary marketplace.
You should be able to sell any loans within a short amount of time due to the high number of active investors on the secondary market.
When you no longer have your money invested on Mintos, you can easily withdraw it. You can only transfer money to accounts that are connected to your Mintos account.
All accounts which you have previously used to transfer money to Mintos are ready for you to withdraw to. This will connect that account to your Mintos account.
Withdrawing money from Mintos usually takes days. However, your bank or money service provider might charge a fee. Whether Mintos is safe to use depends primarily on 4 things: How safe the platform is, how safe the investments are, how safe the Mintos loan originators are, and how safe the company is.
In the following we will take a look at what measures have been taken to protect you as an investor:. As the first security-related thing in this Mintos review, we have taken a good hard look at how secure your account really is.
Here we found that you can use the Google Authenticator app or other apps that are compatible with Google Authenticator.
Two-factor authentication can help to protect your account against unauthorised access to your account, phishing attacks, and many other cybercrimes.
When you have activated two-factor authentication, people who could have your password must also have access to your phone in order to log in. The two-factor authentication security of your account is not mandatory.
We highly recommend activating two-factor authentication on your account for maximum security. If you activate two-factor authentication on your account, we believe that your account is fairly safe.
To activate two-factor authentication on your Mintos account, you should just go to your accounts security settings. Here you can choose to enable two-factor authentication.
In this Mintos marketplace review, we also want to address what measures the company has made, in order to protect you as an investor, in regards to the alternative investments you can make on the platform.
Loan originators carry a potential risk for investors if their company lacks in management, finance, etc.
Therefore the Mintos risk management team always performs a complete risk assessment of any loan originator wanting to join their platform. In their due diligence process of the loan originators, they perform a thorough analysis of the management quality, credit scoring, underwriting policies, financial statements, etc.
Even if the loan originator gets accepted by Mintos, the loan originator will continuously be evaluated. Here Eurocent actually ended up in bankruptcy.
It is therefore important for us to address the importance of diversifying between several loan originators. Another thing that Mintos practice to protect its investors is to require every loan originator to have skin in the game.
So in case of loans default, the loan originator also stands to lose money. In this way, it is ensured that there is no conflict of interest between the loan originators and investors.
So generally, you would want to look for loan originators with as high skin in the game as possible. Most lending companies on other competing platforms are required to keep a similar amount of skin in the game as on Mintos.
This indicates that Mintos loan originators use a bit more leverage and have less aligned incentives with investors than that one platform. But compared to the rest of the competition, Mintos is still one of the platforms where you will find the most amount of skin in the game for the lending companies.
It is quite unlikely that all the loan originators will continue to do business without problems. Therefore, it is important that you diversify between them.
But Mintos has in recent years added new loan originators at a fast pace. So there should be plenty to choose from.
A few years back, Mintos had some problems with a loan originator called Eurocent. The company first encountered problems after just 4 months on the Mintos platform.
Since then, Eurocent actually ended up in bankruptcy. But in spite of the bankruptcy over half of the invested principal has been recovered for the investors.
The case with Eurocent very well portrays the importance of investing in loans from more than just a provider.
It also shows very well that even though there are buyback guarantees on the loans, the guarantee is only as good as the company behind.
But in the case of Eurocent, over half of the invested principal was recovered. Mintos is transparent with its financial situation and is posting annual reports of the company behind the platform, AS Mintos Marketplace, on its website.
But in the years after , got back to being an unprofitable platform. This is probably mainly due to growth ambitions by the company.
Nevertheless, as a part of assessing how safe Mintos is, we have also taken a look at what happens in the worst-case scenario of Mintos folding:.
If Mintos goes out of business, investors on the platform will get full insight into which transactions have been made on the P2P lending marketplace.
Mintos is regularly publishing its financial results on the investor relations page. If you like numbers and charts the last report is available to download here.
The lenders on Mintos are the ones who are obliged to buy back my loans as soon as any payment is delayed more than 60 days.
How safe is Mintos buyback? I had my loans smoothly bought back a thousand times, so I can say: Mintos Buyback works. What I like to be careful about is the reliability of the lender.
It is the one who is entitled to refund my money when borrowers slow down their payments. Most lenders on Mintos are big, established and transparent.
I like to be always on the safe side, so I avoid the smallest, the newest and the less transparent lenders. Too many choices, filters, jargon.
It approximately works like this: I auto-invest on loans that are about to be bought back. Here I make sure to buy some late loans from certain lenders.
It worked well in the past, giving a little boost to my performance. Not losing money is my priority when investing.
This is why I set up this portfolio with the aim to resist to an economic slowdown and possibly to avoid major issues in the future. Some zero-point-something extra yield may not be making that huge difference, and safer is always better.
See Mintos with your own eyes. In truth, now I am the kind of investor …I would have liked to speak to before starting myself with Mintos.
Who the hell is RevenueLand? As I said, my point of view about Mintos is built around my active use of all of its features over time.
I really put my heart in writing this. This is not some computer-generated content. If you feel this is useful to you, say thank you now by sharing it!
This way is easy to check if the team has a background in the field required. In this team picture men outnumber women. In Latvia Women outnumber men source: UN.
This is Mintos on Crunchbase. And here is the official profile of Mintos on Linkedin. BTW, Mintos is hiring! This is the official email to apply: HR at Mintos.
Mintos should not be confused with Mint Mobile that is a carrier company advertised in the US by Ryan Reynolds.
Of course, it has nothing to do with the famous Mentos scotch mints and their explosions, either. Mintos ratings on this consumers reviews website are really good but, should we trust it?
To be honest I believe having good ratings on this website is absolutely a good sign but, beware of who is writing.
The average reviewer might not be an expert when it comes to complex tools like this, or simply his opinion comes too early to say if he is a happy user or not because P2P lending is a long term stuff.
There are a few Mintos bad reviews, so I went straight to read the worst Mintos reviews! Here is the last one:. Since I know cashback codes may not work, I prepared a list of updated P2P bonus my readers can use or save.
Other complaints are mostly from UK residents that lately have been prevented to add funds to their Mintos account. The average Mintos review is undoubtedly good.
This is for many reasons, and one is that Mintos is simply performing as a good tool, no bad surprises, and authors are happy with it.
There are so many discussions on forums about Mintos that you could spend two days on it and understand nothing. Everybody is different and the perception of the risk id tolerated in different ways.
Only some specialized P2P forum have contributors that have been long time investors on Mintos and can talk. All the rest is noise. Mintos is definitely well known on forums.
There is a lot of discussion going on on forums since Mintos is one of the most popular P2P ever. Beware of who is writing before taking any decision about your finances, since anyone can contribute to financial forums.
Specialized forums are usually much more reliable compared to general forums. Mintos is famous on P2P forums also among the most experienced investors who want to bring frequent changes in their portfolios.
I tried, it works. In the Invest and Access there are loans, so nothing changes, this is P2P investing. Yes, money is invested and accessible at the same time.
I have performed some tests on Invest and Access to see if the money was instantly available. Invest and Access test result:.
I setup an invest and access portfolio in addition to my custom strategies. There is NO conflict between portfolios strategies, so I can have both.
Some time later I decided to cash in to see if it worked and if it was really that liquid. Yes, as promised, money was instantly available, but only current loans.
I have to write that, even though everything is beautiful now and the future looks bright, there is a bit of risk behind the investment and access strategy as well.
As I said, this is still P2P loans investing. Occasionally Mintos originators offer some incentives to invite investors to get more of their loans.
I think this is ok, but there is a hidden danger behind it. What if those loans country, duration, type are not fitting my strategy? Will I buy it only because of the bonus?
Doing an investment only because of some bonus or tax relief can be a bad idea. Last year Mintos released a rating tool to help investors to choose the right loan originators.
I cannot say it. Common sense will get me to think that riskier loans should get a lower rating and especially a higher interest paid to investors.
I am not sure if this happens. Here is what I think of the mintos lenders ratings and my best Mintos lenders. It is ok to rely also on Mintos official rating, BUT I believe it is also good not to limit diversification.
More lenders means more countries, more loan types and different duration. When I went to look at what was inside it I decided not to use any of the three and not to mention it on my blog.
The bright side? Lately, Mintos is starting to getting rid of some low performing lenders and this is a very good sign for me.
The first defaulted originator name was Eurocent. There is no bright side. There would be one the day Mintos will be able to make people forget about that little issue.
For the sake of completeness, taking into account the size and the number of loans processed by Mintos to date, the Eurocent impact is getting very marginal.
Three more small lenders had issues lately but even this time the impact was marginal. There are several ways to invest, but Mintos is convoying investors towards this three, especially the first one:.
Moreover, it is easy to setup. I mainly use the auto-invest custom strategy to have complete control over what I buy. It has been read and printed by thousands of investors and I am proud of it.
I also do some manual investing to find out more about loans originators offer and to test the primary and secondary markets functionality. The thing I value most is transparency in P2P investing..
When a tool is not publicly sharing data with investors there is something wrong. A lender with many late loans may be ok because of other reasons.
Mintos is a profitable and transparent company , but peer to peer investing is safe until something happens. What are risks in P2P investing and in particular with Mintos?
The feeling I get besides the numbers is that they care, they want this company to work, and they look like a good team.
If I want to reduce risks on Mintos I spread my capital on a large number of loans in many countries, instead of focusing somewhere.
Some investors focus only on short term loans to reduce risk. Investing in direct structure may be safer since the claims are against the borrowers, but not many care about this aspect.
Investing in lower APRs loans can be also more sustainable and also ethical. I always filter out the highest APR loans.. Individuals and companies can invest through Mintos.
Investing as a company may also bring some tax relief. In any case, Mintos has to be able to identify the investor.
Asian and middle east investors can also invest with Mintos in most cases sending money through a Payoneer or Transferwise.
I am curious to see if it will really add value to investors or will just be a wrapped copy of the website.
This is huge. So instead of having money idling on a savings account, it can be invested and available almost instantly. I am enthusiast about this news, but I normally avoid mix savings account and investing accounts for now.
My biggest fail with Mintos was waiting too long to give it trust and start investing. I was scared to death of transferring money on an unknown foreign bank account.
It equals to a How old are you? Is it a realistic expectation? Yes and no. It is also very difficult to think that nothing will change in the interest rate paid in the next 40 years.
Inflation was not taken into account, but it should, in order to get a more exact outcome. Here is the right page for people ready to register where I explain the difference between Promo code and Referral link.
I have formed my opinion investing myself and collecting information in and out of Mintos. Here is what I found out. Make informed decisions and visit Mintos on your terms.
Have I missed something? What is preventing you from starting P2P? What are Mintos best alternatives?
The most popular alternatives to Mintos are Peerberry, Twino and Bondora. A full explanation about the safest way to get the Mintos invitation is here.
Investing in P2P loans brings a fair share of risk but returns are very interesting. Mintos is considered one of the safest P2P thanks to its internal diversification, its guarantee formula , its business model and a trusted management.
In order to use this formula investors just need few clicks. The investor cannot make any adjustment. Passionate DIY investor building my financially peaceful future.
I believe in helping people, which is why I share what I am learning. Fabulous review I invest in Mintos for 1 year now and I share your oppinion about the platform.
CEO Martins Sulte seems a very competent, inteligent and professional man and he is taking good care of his company.
I see a bright future for Mintos and my only regreta was not knowing of it sooner. Nevertheless everyone should understand very clearly that there will always be risk involved in lending your Money around and DO NOT pour all your money into this new inovative techmologies… one step at a time.
I only invest in Mintos in terms of P2P and I intend to keep it that way as I see na increased risk going into smaller platforms.
If I can make it grow then I get some motivation back. Of course savings accounts and P2P investing should never be compared.
Thank you for commenting and for the nice words, Nuno. I try to answer your question from my investor point of view. I am not a financial planner, so I never offer recommendations, either here or in the newsletter.
If compound interest exist and nothing changes by I will have Excellent review, even if there are too many lender default risks and no more cashback campaigns on Mintos.
Mintos is still one of the safest P2P for me after 4 years. Was Mintos better before?Nevertheless, as a part of assessing how safe Mintos is, we have also taken a look at what happens in the worst-case scenario of Mintos folding:. So if you are considering investing through the platform, we highly recommend Online Casino Bonus Ohne Deposit you read this Mintos review carefully. One of the better things about Mintos is definitely its autoinvestment feature. We find the return compared to the safety favorable. Nevertheless, as a part of assessing Chess Online Multiplayer safe Mintos is, we have also taken a look at Back To Candyland 4 happens in the worst-case scenario of Mintos folding: If Mintos goes out of business, investors on the platform will get full insight into which transactions have been made on the P2P lending marketplace. Mintos debit Mobile De Handyversion This is huge. If I want to reduce risks on Mintos I spread my capital on a large number of loans in many countries, instead of focusing somewhere. Mintos strategies Mintos invest and access Mintos strategies are 3 new automated investment strategies launched in August The methodology Mobile De Handyversion five main areas which are operating environment, company profile, management and strategy, risk appetite, and financial profile. Last year Mintos released a rating tool to help investors to choose the right loan originators. Go to Mintos website now. Mintos was founded in In September the total amount of loans funded through Mintos have surpassed Eur 1 billion. Most of the loans funded through Mintos are personal loans with car loans coming second. In Mintos has raised Eur 2 million in funding from Latvian-based Venture Capital Skillion Ventures. AS Mintos Marketplace (“Mintos”) is a joint stock company registered in the Commercial Register of the Republic of Latvia under registration No. , with legal address at Skanstes iela 50, Riga, LV – , Latvia. Mintos is not regulated under any financial services license. Mintos is a global online marketplace for loans. Mintos is a town in Dragon Quest IV. Located on the northern part of the southeastern continent, its main attraction is a large inn owned by Conrad Hilton. Hank Hoffman, Jr. leaves the party after meeting Hilton here and sitting in on one of his common-sense business lectures, which he holds every day in the town square. In the inn, the party also finds Kiryl bedridden with fever and Borya. List of Mintos 's 3 Funding Rounds totaling €M. Save Search. Companies People Investors Funding Rounds Acquisitions Schools Events Hubs Saved. Organization Name. Mintos grew dramatically in How are you doing in ? How has COVID impacted your marketplace? Martins Sulte: was a record year for us in all possible fields. We grew from a Representative James B. Reizvoll Gage Dschungelcamp 2021 auch im Sommerhalbjahr eine Bootsfahrt und ganzjährig eine geführte Wanderung in der Ria Formosa, die man privat buchen kann oder auch deutschsprachig über " algarverde. If possible, as you become expertise, would you Northlands Results updating your Europa Champions League with more details? And we also fully understand we have got the writer to be grateful to for that.