Mintos im Test. Benutzerfreundlichkeit der Plattform. Mintos ist eine der besten Plattformen im Bereich des P2P-Lendings, die wir bisher getestet haben. Mintos Erfahrung # Negative Bewertung von Anonym am Ich hatte € vor genau 1 Jahr als Test angelegt. Mintos Test & Erfahrungen. Mintos ist die größte P2P-Plattformen in Europa. Obwohl die Plattform erst im Jahr gegründet wurde, liegen die.
Mintos ErfahrungenWillst du erfahren, wie du erfolgreich bei Mintos investieren kannst? Dann bist du hier genau richtig! Ich gebe dir in diesem Beitrag die. Im Mintos Testbericht sind uns viele Aspekte positiv aufgefallen, die P2P Plattformen aus Deutschland so nicht haben, wie zum Beispiel eine Rückkaufgarantie. Mintos im Test. Benutzerfreundlichkeit der Plattform. Mintos ist eine der besten Plattformen im Bereich des P2P-Lendings, die wir bisher getestet haben.
Mintos Test What is Mintos? VideoMintos - Bondora - Mein Fazit nach 2 Monaten P2P (Konkrete Investitionen und Einstellungen)
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.
Die Anmeldung und Kontoeröffnung ist für Investoren kostenlos. Auch werden für laufende Investitionsgeschäfte keinerlei Kontoführungsgebühren erhoben.
Wer die Geschäftsbeziehungen mit Mintos wieder beenden möchte, der kann auch dies kostenlos tun. Auch für die Auflösung eines Kontos werden keine Gebühren verlangt.
Mintos schreibt nur schwarze Zahlen und glänzt mit guten und vielversprechenden Meldungen in der Presse. Viele Experten sehen gerade hier eine Schwachstelle.
Den Investoren soll suggeriert werden, dass ihre Investitionen bei Mintos sicher sind. Zudem werden hohe Renditen versprochen.
Doch einen verlässlichen Beweis gibt es leider nicht. Das Unternehmen selber ist nämlich nicht der Kreditgeber!
Im schlimmsten Fall kann man auch bei Mintos seine gesamte Investition verlieren. Es gibt keine P2P-Kredite ohne Risiko. Viele Investoren lassen sich von hohen Renditen blenden.
Doch gerade hier ist Vorsicht angesagt, denn Mintos ist kein Kreditgeber. Es bietet den Kunden verschiedene Dienstleistungen an. Die Kunden sind hier die Investoren.
Die Dienstleistungen beziehen sich auf der Bereitstellung der Serviceplattform , dem Auto-Investment und allen Dienstleistungen rund um die private Kreditvergabe.
Das bedeutet also im Ernstfall, dass Mintos auch keinerlei Verantwortung für die Rückkaufgarantien trägt.
Diese liegt einzig bei dem Kreditgeber. Generell liegt die komplette Verantwortung für das Kreditgeschäft beim Kreditgeber. Daher sollte man jede Investition zuvor genau überdenken und auch das Risiko abschätzen.
Greifen sie überhaupt im Ernstfall? Das Zinsniveau in den baltischen Staaten ist tendenziell deutlich höher als hierzulande.
Verbraucherdarlehen mit einem Zinssatz von um die 15 bis 20 Prozent p. Liegt also das allgemeine Zinsniveau ohnehin schon hoch und die Bonität des Schuldners erreicht einen eher mittleren Wert, dann werden die Darlehenszinsen möglicherweise noch höher ausfallen.
Die kurzfristigen Mintos Kredite könnte man am besten mit einem Dispokredit vergleichen. Die Dispozinsen liegen auch in Deutschland im Schnitt zwischen 10 und 15 Prozent p.
Zinsen für Unternehmenskredite sind zudem auch in Deutschland vergleichsweise hoch. Zinsen für kurzfristig benötigte Liquidität von um die 15 bis 20 Prozent p.
Zwischenfazit: Es ist also gar noch so abwegig, dass die Mintos Zinsen im Vergleich so hoch sind. In den er Jahren waren die Zinssätze für Verbraucherdarlehen auch in Deutschland im zweistelligen Bereich und die Verbraucher haben das gezahlt.
Ein interessantes Feature ist die Mintos Rückkaufgarantie. Anleger, die in einen Kredit mit Rückkaufgarantie investieren, erhalten vom Darlehensanbahner eine Garantie, dass der Kredit im Falle eines Zahlungsausfalls zurückgezahlt wird.
In der Praxis sieht das so aus, dass der Anleger bei einem Verzug von mindestens 60 Tagen den Nominalbetrag zuzüglich Zinsen automatisch gutgeschrieben bekommt.
Mit dieser Rückkaufgarantie soll dieses Ausfallrisiko ausgeschalten werden. Fakt ist aber auch, dass es dennoch ein gewisses Risiko für den Anleger gibt.
Nämlich dann, wenn auch der Darlehensanbahner nicht mehr zahlen kann. Ein zweites Feature ist der Sekundärmarkt. Auf dem Primärmarkt können Anleger direkt in Kredite investieren.
Ihre investierten Darlehen können sie auf dem Sekundärmarkt wiederum an andere Anleger verkaufen. Entweder mit einem Zinsaufschlag oder -abschlag.
They are perfect for beginners, and will provide you the best returns while keeping risks under control.
Update August 17, I am now using new strategies on Auto Invest. I still kept the old strategies here just in case someone finds those more useful.
Not everything that works for me will work for you as well. In this way you can easily prioritize your defined strategies and also disable them in the future, if needed.
Try to invest in as many loan originators as possible to keep a low percentage in each one. And so on. Ending up investing in loan originators that might not be doing great and expose yourself to higher risk.
Hand pick them according to well defined rules , that I am going to show you later in the post. In the past I was using 4 strategies.
And because a picture is worth words, I will start with a screenshot. They are very simple, and easy to understand and will execute in the order of priorities.
That means I only chose to invest in high profile loan originators, that have a good track. Another important thing to mention is the amount of money allowed to be invested using this strategy.
Is the last one to be executed in the order of priorities and I have only created it to dramatically reduce the risk of money drag.
You can always sell these loans on the secondary market freeing up the money for another chance to buy higher interest loans later on. Smart, right?
Anyway, before starting I would say to not take everything you read here or anywhere else for granted. I encourage you to come up with your own rules that will work best for your risk profile and overall strategy.
I recently launched the Mintos Helper tool which is going to make it easier for you to apply all the rules we are going to talk below.
Make sure to check it out. Those are definitely more riskier and my conclusion is that they are not worth it. There are plenty of others available.
A good example is Aforti. This is where the Mintos Helper comes in handy, as is making it very easy to filter out originators with a low rating.
Here is a screenshot below. My recommendation is to choose loan originators with a rating above You will need to invest Euros or more to get it working correctly.
The best part of this like they say is that you get to cash out fast if needed. Since they say you can cashout fast it sounds good.
They will not be able to sell loans that are late before the buyback guarantee kicks in, remember that. This is within the first 90 days from your registration and pays out in 3 parts.
So if you been with me so far in my Mintos review and dont have an account there yet. To get this extra payout you just have to sign up using this link to Mintos.
Note that you will not get this extra payout if you sign up directly on Mintos. Cashback is another thing we should mention in this Mintos review.
From time to time some of the loan originators on Mintos can have special offers on loans. This to try and attract more investors in periods. Most of these cashback deals are available between weeks at a time.
Usually gives you a possibility to get everything from 0. It all depends on the criteria they set. In the picture below is an example on how much cashback Kredo and Monego gave out in July People like to get extra deals on everything these days, so this is a nice touch from the loan originators.
So I will list some of them here. If you pick loans with no buyback guarantee from the loan originator you let all fait go to the borrower.
Tip: Always go for Buyback loans so you at least have some extra security in my opinion. The loan originator can go out of business.
In this case it will be like any other company that go bankrupt. Here you can hope they get bought by some other company and things go on like normal.
Or it will be a legal process that will try and get all the money it can back to everyone. These things can take time and might not even help if they have no cash.
This happened to one loan originator, Eurocent. Tip: Try and diversify through many different loan originators.
Also many small loans instead of all in one loan originator to be more safe if this happens. The P2P platform goes bankrupt Mintos in this case.
My Overall Rating. My Average Yield. Investment Protection. What I Liked. Buyback guarantee on most of the loans. Huge amount of loans available.
Really easy to diversify. Can you say who that is? Maybe he has a blog to follow? Greetings Felix. Hi Felix.
Hi Jorgen, I just wonder how much do you approximatwly invest per one loan? Have a great day. Hi Holda. Selection of loan originators matters more.
Mintos is probably the best place to invest at the moment. I would totally recommend it. And of course, before opening an account, always use a referral.
Its a win-win situation and totally worth it. They even warn that autoinvest is subject to delays… related perhaps? Given that invest and access has priority what does this mean for the future of investors who want to use autoinvest i.
Is there any chance to change the autoinvest option? Some 60 months and more. I am yet to receive an answer from Mintos about this but wonder if anyone else had this issue.
Maybe settings are ignored in order to invest the entire available amount? Thanks, Jens. It sounds like a manual mistake to me, but it will be interesting to hear the response from Mintos.
Thanks for your quick response. Have you tried to get a sizeable sum out of them? I have relatives who have not been able to do that, Mintos makes different excuses….
I know several people who have withdrawn large amounts from Mintos. Sterling from p2p millionaire withdrew 1 million EUR without any questions asked.
Withdrawing from Mintos is the least of my worries. Where do I separate originators to pay outstanding fees on delayed payments?
This option appears to be not available. Hey Gleison, When did you sign up? What do you currently think on the Invest and Access stragety.
Which means invest and access gets them all before that. So i decided to give it a try and put some money on Invest and Access. It immediately got all the money invested with average interest 8.
Super low and dissapointing. You have zero control on even choosing the interest rate level. Otherwise it just pushes crap loans to investors but still geting the high return loans away from auto-invest portfolios.As we have already mentioned, P2P lending is a moderate risk investment, and you must be aware that loans can default. Find them here. The way to offload loans if you need cash is to sell them on the secondary market. A few years back, Mintos had some problems with a loan originator Mahjong Dark Dimension 15 Eurocent. Das bedeutet also im Ernstfall, dass Mintos auch keinerlei Verantwortung für die Rückkaufgarantien trägt. Mintos started operating in , but has experienced rapid growth due to getting a lot of things right and becoming popular with financial bloggers due to its ease of use and transparency. Mintos has raised a total of € 7 million – € 2 million seed funding in and € 5 million Series A funding in Mintos Test & Erfahrungen Mintos ist die größte P2P-Plattformen in Europa. Obwohl die Plattform erst im Jahr gegründet wurde, liegen die Zinsausschüttungen bereits bei rund Millionen Euro (Stand Mai ). Mintos is doing initial and periodic risk assessments of all loan originators, offering them a rating from A+ to D, on 10 levels. Find them here. Use these ratings to make informed decisions. Mintos rates these lenders from A to D (around 10 levels) based on company health, financial status, quality of loans. My first investment. Mintos lets me invest either manually in individual loans, either automatically, through an auto-invest profile or through their custom Invest&Access product. How much can you earn investing in peer-to-peer lending? See performance statistics for peer-to-peer investments made on Mintos marketplace for loans. Über die P2P-Plattform Mintos können Anleger Geld in Kreditprojekte aus Osteuropa und anderen Ländern investieren. ▷ Jetzt in unserem Test informieren. Alles über den P2P Kredite Anbieter Mintos: Erfahrungen, Test, Vergleich und Risiken. Ist Mintos seriös? Mit Mintos in P2P Lending investieren. Mintos Erfahrung # Negative Bewertung von Anonym am Ich hatte € vor genau 1 Jahr als Test angelegt. Mintos Test & Erfahrungen. Mintos ist die größte P2P-Plattformen in Europa. Obwohl die Plattform erst im Jahr gegründet wurde, liegen die. By the end of the year, they Em 2021 to double the number of employees. Investment Protection. Withdraw Before you can withdraw any money from Mintos, you must make sure that none of the money you want to Spiele Demo is currently invested. Best platform for diversification The fact that Mintos uses a wide range of loan originators instead of issuing the loans themselves means that they now have a platform with many different types of loans, in many geographical locations, issued in different Estoril Praia U23, from many different loan providers. Darlehensanbahner sind kurz gesagt die eigentlichen Kreditgeber. Mintos vereint Jonnyjackpot einer Plattform die Kreditangebote von rund 70 unterschiedlichen Kreditgebern. Avoid this problem by using multiple strategies and setting up priorities of execution. Here you will get some points on the auto invest feature. Unfortunately, the auto-invest tool does not favor higher interest loans. Dem Unternehmen werden sehr gute Zukunftsaussichten vorausgesagt. My Average Yield. The Account statement page allows you to see every transaction in periods Mintos Test decide. Nikolaus Pirkl. In this case it will be like any other company that go bankrupt. As you can see from my income graphs, I have 4 years of experience with P2P. Ich akzeptiere die AGB'sDatenschutzrichtlinie. Hier muss ich meine Ausweisdokumente einfach einscannen und hinterlegen. Kein Konto? 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 thestrelz.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. Mintos is the biggest in the marketplace today when it comes to P2P investments and Multi lending platforms. They have been established since and are much bigger than all others in that section in Europe. At Mintos they have more than 5 Euros invested from over investors through their platform in March Mintos is safe and legit. Is definitely not a scam. In fact, is the biggest P2P lending platform in continental Europe, being very popular among P2P investors. However, like any other new investment, understanding the risks before investing is very important to have success and not lose your money.