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Swaper für Anleger im TestCreated with Highcharts Swaper Wandoo Finance 0 0 3 3 Net Loan Portfolio 4Q 1Q 2Q 3Q 4Q 0 1 2 3 4. Schau dir die Artikelsammlung über Swaper auf Deutschlands beliebtestem Blog zum Thema P2P Kredite an und lerne von den gemachten Swaper. Über die P2P-Plattform Swaper können Anleger Geld in Kredite aus Polen und Spanien investieren. Dafür gibt es bis zu 16 Prozent Zinsen p.a. Jetzt in unserem.
However, this is of course on the proviso that none of your loans run into default. In a rather unusual move, the team at Swaper have launched a buyback guarantee that aims to protect you in the event of a borrower defaulting.
In a nutshell, if you are holding a short-term loan and the borrower is more than 30 days late on their repayments, then Swaper will purchase the loan agreement from you.
Swaper provides a BuyBack on loans that are listed on the platform. BuyBack means that Swaper can compensate investors both for the invested principal and accrued interest in case the borrower is more than 30 days late with the short term loan repayment.
Either way, this means that you are protected from a loss — both in terms of the principal amount and the interest. This operates in a similar nature to a reserve pot, insofar that Swaper will hold a certain amount of funds in reserve to cover potential defaults.
However — and as is the case with any reserve pot or provisional fund, the pot can only extend so far. As is the case with any investment platform, you need to make some serious considerations on the potential risks.
This is especially the case with a peer-to-peer platform like Swaper that offers loans to the consumer marketplace.
This tells us two key pieces of information that Swaper does not expand upon. As you might well know, payday loans that come with super-high interest rates are typically taken out by those with bad credit.
This in itself presents a high risk, insofar that the type of borrowers that use Wandoo Finance Group are more likely to default.
On the flip side, it is also important to mention that the large disparity in the interest commanded by Wandoo Finance Group, and the interest that Swaper pays you as an investor, is huge.
On the other hand, as neither Swaper nor Wandoo Finance Group publishes their accounts publically, there is no way of knowing the health of their balance sheets.
This means that you will have a legal right on the outstanding loans you have backed, even if Swaper ceased to exist.
One of the stand out features of using Swaper is that you will not be charged any fees to make an investment.
Ordinarily, peer-to-peer loan platforms operating in the space will charge fees on a number of fronts.
This could come in the form of a percentage charge when you make an investment, or a percentage of the profits that you make.
In other instances, you might even be required to pay an annual maintenance fee, which is based on the amount you have invested at the platform.
However, none of these charges are in existence at Swaper, which is great. This is likely because of the huge markups that Swaper and its parent company Wandoo Finance Group makes on the loans it issues.
This allows you to list your outstanding investments for sale to other investors. This is based on market forces, so there is no knowing how much you will be able to get your investment, nor whether or not anyone will want to buy them.
It is also notable that you have the option of selling all of your investment, or some of it. This is handy if you want to keep hold of your potential gains, and simply release enough funds to cover what you need.
However, Swaper rarely has any loans available. Therefore, it is difficult to find available loans. I, therefore, recommend that you use the auto-invest tool.
This will help you to get in loans when they are published, as they are funded quickly. While the loan list is usually empty because the auto-invest takes all the loans whenever they become available, you can see the recent statistics of posted loans.
The loan list allows you to pick from which countries you want, the loan term and the status of the loan.
There is a term which is used for the lack of available investments: Cash-drag. Swaper is therefore prone to having cash-drag because of the limited amount of loans.
The auto-invest on Swaper is very simple. You can choose to customize the interest rate, maximum investment in one loan, loan term and the countries.
The picture I have inserted above is my personal investment strategy. I take all interest rates, loan terms, and countries.
However, I do not invest in delayed or extended loans. To reduce the risk I opted out of extended and delayed loans. Normally I expect bad borrowers to get extended time to pay their loans.
For that reason I do not want extended or delayed loans. Wandoo Finance provides financial services including payday loans. When one of Wandoo Finance subsidiaries has founded a loan in Poland, Spain or Denmark it is posted to Swaper for investors.
Furthermore, Wandoo Finance Group has a management team of professionals. Furthermore, she has been a board member in a number of companies which is providing financial services.
Therefore, actions made by Wandoo Finance Group will reflect the Swaper platform. In the interview, the product owner at Swaper was interviewed.
She has stated that Swaper will launch a range of exciting products and features in the near future. Furthermore, she says that in focus is to grow both sides of the marketplace to satisfy the increasing number of investors.
Swaper is not received with open arms on their Trustpilot page. However, the critic Swaper is getting is the lack of available loans.
An investor has wanted to invest manually and cannot find any loans. After setting the auto-invest he did not get any loans for days.
Currently, that is just how Swaper works. There is not a lot of loans available. My concern is that we do not know how well Wandoo Finance is doing financially.
Also, do you not think it is a bit odd that Swaper provides the buyback guarantee rather than Wandoo Finance? I usually buy these kinds of reports whenever I need to check how companies are doing, as they are the same accounts that they post to the tax authorities every year.
I like the way that you presented the platform with all its pros and cons. It looks interesting but I still believe that real estate crowdfunding is a more attractive field — at least for me.
Of course, you need a diversified portfolio that contains different assets, but I believe that real estate crowdfunding has a better structure from the security perspective for investors.
Right now me and my wife after investing in real estate across all Europe from a really nice aggregator for real estate.
I also had the change to meet the team and I am really happy with what I saw. Thanks for your views Albert. Real estate has its advantages as well, but compared to platforms like Swaper you have a higher risk of having your cash tied up for many years without being able to liquidate it.
I would agree that they are complimentary in a diversified portfolio. Comments for robots Please remove this comment to prove you're human.
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When you invest on Swaper, you buy claim rights for loan receivables and investments in loan receivables are subject to risks. We advise to diversify investments and carefully evaluate the risks.
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