Check your rates online without affecting your credit rating. The P2P portfolio has become an integral part of my passive income. estateguru now has a total of 260 loan projects (compared to 91 in September 2017) with 159 different borrowers. You’ll also have to deal with your P2P investment because your income from P2P loan investments is taxable as so-called “capital gains”.

P2P loan – my balance after one year

P2P loan - my balance after one year

I invested 200 USD in P2P loans about a year ago. and 100 USD with us on the Shantirs platform and 100 USD with us in Germany. In total, around 27.5 percentage points of my invested assets are affected. Fortunately, the bad debts and uncollectible amounts are at 0 USD. Since I use the auto-invest feature at Shantir, all returns are reinvested.

If I have 10 USD credit and there are credits that match my auto-invest settings, the 10 USD (which is the minimum amount for an investment in Shantirs) is invested in a loan. At the moment my means are at 19.90. So there is no credit that is important to me that Auto-Invest can get for me.

So Shantir is doing pretty well.

So Shantir is doing pretty well.

My profitability at the beginning of the financial year, he put it at 23.52 percent. It is currently 22.24 percentage points. My account has a value of 474 USD. About a year ago, I took 100 USD. Was it really 474 USD?

Investigations did not reveal anything, so I called the nice woman. Your note: All open repayments and interest payments are also included in the account value. But where does the strong growth compared to the beginning of the year, when my account balance was around 120 USD?

Recently, the company has also opened its doors to Spaniards *, which may be required by law to overstate interest rates. Since the automatic asset manager added some of these loans to my portfolio, the value of my account has skyrocketed. The picture shows the payday loans (= high risk) from all over Europe with interest rates of almost 250 percent!

A lot of loans will be enough for a few more years. Looking at my investments, there is a backlog of USD 6.03 and a default interest of USD 22.08. I do not really expect 22.08 USD. I suspect that if people do not pay the normal interest payments, they will not pay any default interest at all.

This is about 25 percent. The woman, on the other hand, has been classified as “HR”, ie high risk, and pays her credit in good faith. Does the rating of borrowers * not work at all? The average return for the company would be around 15%, she says. The income statement is always conditional on the borrower * actually repaying the loan.

Some loans will default, others will be reimbursed at higher interest rates. The Spanish loan with 250% interest makes me a little nervous. Do I want to get 250% stake in people?