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Four years as an investor in Bondora

The seat of the platform is in Estonia.

The principle itself is simple: Bondora provides consumer loans to borrowers.

Bondora is licensed as Kreditvergeber by the Estonian Financial Supervision Authority, which is the leading regulatory authority in Estonia and banks Kreditvergeber, credit intermediaries, insurance companies, broker of insurance companies, fund managers, investment and pension funds, investment firms, monitored e-money institutions and payment service providers.

How high is the yield?

The returns with Bondora are extremely good. Thus, the projected profit margin was in our test from 9.18 to 17.18 percent per annum,

The amount of forecasted return depends fundamentally on the selected credit group and the associated risk from.


How does Bondora?

The principle of P2P platform Bondora is simple: It brings people who need a loan, with people who want to finance loans. The debtors come exclusively from Estonia, Spain and Finland.

The donors are individuals. These select the loans to which they want to invest in individually or use for the Portfolio Manager or Go to Grow. With its help, they can opt for different strategies. This ensures a wide spread and reduces the risk of failures.

Deposits and withdrawals

To begin investing in peer-to-peer loans at Bondora, must be transferred at the beginning of money on their own account. At this point are a the following payment methods:

  • Visa & MasterCard
  • TransferWise
  • SEPA Direct Debit
  • Sofortuberweisung
  • Trustly

The money is with these payment methods now available for the investment available.

A payout is only possible to a bank account, was paid with the previously even in Bondora. on the one hand, this increases safety and is also required by law because of rules to prevent money laundering.

For safety, all withdrawals will be manually reviewed by a staff member. In general, the money will be credited after 1 to 2 business days on the bank account. Bondora does not charge for deposits and withdrawals.


Bondora: Advantages and disadvantages at a glance

The entry into the platform is made new investors particularly easy. all the features of Bondora be explained in detail, of the "Virtual Tour".

  • With Go & Grow currently stable 6.75 percent per year
  • Regulated by the Estonian and Finnish Financial Supervisory Authority
  • Minimum starting from 1 EUR possible
  • Secondary market for Early Sales
  • No fees for investment in primary and secondary markets
  • High transparency and integrity

No buy-back guarantee

Loan losses are part of the Investing in P2P loans to do so. Not all borrowers will be able to repay their loans.

Therefore, it also happens with you as a financier that you have to complain about failures and not going to recover all investments.

What are the risks at Bondora?

The investment in P2P lending involves risk. At worst, the money used may be lost. However, there are ways to limit the risk to a minimum.

a lot of risk reduction is already being done on the part Bondoras. Any debtor is thoroughly tested. On this subject an internally developed risk-scoring process is used. Since 2008 have been processed more than one billion applications. According significant is the experience Bondoras in the credit assessment.

On the customer side can be the personal risk to a minimum to reduce by widely advertised in the insert. By the portfolio manager it is very easy to invest in countless possible different loans. In Bondoras Go & Grow loans will automatically invested all risk ratings and countries in a large number.

How can investors invest over Bondora?

Registration at Bondora is completed in a few steps.

  • In the first step register with your e-mail address. In the following you receive an e-mail with a temporary password. This must be changed at the first login.
  • After logging in you will be asked for your name and phone number of your. Fill in the fields below, you will receive a bonus of 5 euros. For the complete identification, it is necessary to upload a copy of your passport.
  • Then select one of the five strategies the portfolio manager - Ultra-Conservative and opportunistic. The minimum investment is € 5.
  • As a final step only thing missing to deposit money into the account.

The credit market square of Bondora

In Bondora everything was trimmed to simplicity. Loans are not assigned to specific individual projects but to regularly and automatically invested in accordance with their own specifications in loans to individuals. To this end, we shall use the Portfolio Manager an investment profile.

The average net annual return for investors is currently at 10.50 percent.

Depending on the creditworthiness of borrowers in a risk class of AA are divided (very good) to HR (very bad). The higher the risk class of borrower, the higher the interest rate also falls out. At the same time, however, the credit risk is increasing for a loan.

In our experience, the broadest possible risk diversification promises the best overall return. should a sufficient diversification minutes away. 1,000 euros to be created.

will provide loans at Bondora in the countries of Estonia, Finland and Spain. Compared with other countries in the European Union, the credit supply of banks in these countries is comparatively poor. P2P loans are attractive to the citizens hence in particular and many times the only means of raising capital.

The secondary market in Bondora

existing investments can be bought and sold on the secondary market. Thus investors when they need it, fast return on their money. It is up to each investor to leave even if he wants to sell at a premium or discount.

Bondora Go & Grow - An alternative to the daily allowance?

With Go & Grow Bondora has an innovative and very simple new way to offer in 2018 to invest in P2P lending. With the service the deposited money will earn interest at 6.75% per annum. The trick is, which can be equipped with the capital at any time.

The investor has to choose only how much money is to be paid on or. The management of the underlying peer-to-peer lending portfolio is taken over by Bondora.

Conclusion and evaluation

There are no hidden fees for Bondora and in general, the company benefits from a very high transparency.

The automatic investment opportunities enable a simple and rapid passive investing in peer-to-peer loans with very high yields. The average return of 12.6% pa can be quite impressive.

Bondora offers a particularly time-saving and easy way to invest in peer-to-peer area. The achievable yields are particularly attractive here and lie for most investors in the double digits.

With Go & Grow Bondora has a particularly innovative product in the portfolio, which can convince despite daily availability of capital with considerable interest.

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