Schau dir die Artikelsammlung über Twino auf Deutschlands beliebtestem Blog zum Thema P2P Kredite an und lerne von den gemachten Twino Erfahrungen. Twino ist ebenso wie Mintos, Bondora, Auxmoney etc. eine Plattform für P2P-Kredite. Allerdings. TWINO - Europas sicherster P2P-Kreditmarktplatz. Verdiene ab 10% für jede Investition.
Twino: Mein Abschied nach dreieinhalb JahrenTwino ist ebenso wie Mintos, Bondora, Auxmoney etc. eine Plattform für P2P-Kredite. Allerdings. Twino war fast zeitgleich mit Mintos* die zweite ausländische Plattform, auf der ich vor dreieinhalb Jahren aktiv wurde. Schon in meinem. Aktueller Stand, Rendite (XIRR). Oktober , + 20,3 %. September , + 20,1 %. August , + 19,9 %. Juli , + 19,8 %. Juni , + 19,6 %. Mai
Twino P2p Twino has been struggling VideoTwino - 2 Jahre auf der P2P Plattform aus Lettland ✌ It might not be the right moment to invest in Twino. Leave a Reply Cancel reply Your email address will not be published. Non-necessary Non-necessary. This is similar to for example Karamba.Com Financewhile different from the way Mintos facilitates the lending with an external fourth partner, 10x10 Plus the loan originators being its Story Deutsch entities and guaranteeing for the borrowers they find and introduce to the marketplace.
Also remember that although you can transfer money to your account in different currencies, all currencies other than GBP will be converted to euro and you will execute your operations in euro.
Twino performs an evaluation of loan demand through the platform. Consequently, different types of loans are available for investing at the platform, and they are primarily categorized as follows:.
The loans can be listed in different currencies because Twino originates loans from multiple countries, which means that the exchange rate should be taken into account.
The good thing though, is that the platform will automatically convert the loan funds into your account currency GBP or EUR. Moreover, there is a secondary market for Twino loans, meaning that you can sell and buy loans at any time with investors.
The downside to having a secondary market is that there is no clearly defined section for this market and loans labeled as default cannot be sold in this market.
It makes it much easier to handle. Using the auto-invest option you can reinvest your profit hassle-free by defining the amount of money invested in a loan, the desired interest rate as well as other investment preferences for selection of the adequate loans.
Of course, any time you want, you can invest manually by stopping or canceling the auto investment option. I particularly like the portfolio builder option, which enables you to invest in multiple loans at once.
The good thing is that the process is quite simple, you need to define your selection criteria, and the system will display all loans satisfying the specified criteria.
Another aspect I like about the Twino platform is that it gives specific statuses to loans that increase transparency and is easing the investment decision.
The loan can take any of the five types of status: current, extended, delayed, defaulted and recovered.
While loans with payment guarantee and ratings A, B and C will have the status for a late repayment from 1 to 30 days and from 1 to 45 days respectively.
Nevertheless, a late repayment of more than 30 days for loans with payment guarantee and more than 45 days for loans A, B and C rating loans, will be marked with the status defaulted.
Twino offers two types of protection for its investors, the buyback guarantee and the payment guarantee. Investing in loans with buyback guarantee would mean that the investor will be compensated with the initial investment in the loans as well as the interest along with any accrued interest in circumstances when the borrower fails to repay for more than 60 days.
I find the second type of protection scheme offered by the platform pretty interesting because, with the payment guarantee, you will receive the principal amount and the interest following the original repayment schedule.
Their profit would depend on the skill of which they chose their loan customers: much akin to standard loan companies. Despite this, the rate of progress has slowed somewhat as competition intensified in the sector.
Twino is still successful in its own right. They source their own loans, unlike Mintos which acts as a platform for other loan companies to fund their loans.
That has allowed them to expand rapidly and in to other countries. Twino reports under the Latvian jurisdiction and does not file accounts with Companies House.
Its latest set of accounts shows net profits reaching 3. This was a large swing on the 12m EUR loss seen the year before. The latest on the company is good with equity of 15m EUR and cash of 8.
To the investor, Twino operates in much the same way as the other platforms. Loans are originated, divided up by risk and funded by lenders. Both have their own advantages and disadvantages.
The important point is that you cannot change the currency of the account. Loans are simply displayed in your chosen currency there is no way to hold multiple wallets of currency like there is in Mintos.
Much like other platforms, you can set-up auto-invest portfolios. At TWINO they connect investors seeking premium returns with borrowers searching for convenient loans, through the digital landscape.
Their disruptive platform has democratised an investment process that was previously only accessible to the prosperous few.
They are now one of the most successful marketplace lenders in Continental Europe and are the first platform to introduce P2P lending to emerging markets such as Russia and Kazakhstan.
They have made this possible by employing talented people across 6 locations. Becoming a member is very straight forward.
Firstly, pick if you want to make a private person or a company account and then fill out the required data in the form and your account is created.
I recommend to you to read them through. They include the terminology and other important data. To add funds to you account you simply make a SEPA transfer through your bank.
Their financial results were alarmingly poor. Their auditors expressed doubts about their ability to continue as a going concern.
However, following a huge restructuring, and the closure of unsuccessful locations, Twino reported much better financial results for The balance sheet position also improved.
Why do you consider loans in Russia and Georgia at higher risk? Loan is not made to a state but to a single borrower and he is considered singularly.
I seem it is the contrary. Or not? Our statement is not a comment on local collection practices and likelihood of repayment. The thing that most concerns us is potential currency volatility versus the Euro as many P2P lenders do not properly hedge their FX risk and also other factors such as potential for currency controls and other political risks.
Both of these countries have clearly higher risks surrounding these factors than say Latvia or Denmark.
The financial statement for the full year of seems to indicate that Twino was able to turn around — there is positive equity, again, and their subsidiaries went from haemorrhaging money to making money.
Hi Rene. Yes results certainly seem to have improved in It seems to be mainly a result of shifting lending operations to higher return, higher risk countries such as Russia and Georgia.
We will certainly keep monitoring Twino. Pingback: Kus suitsu seal tuld?