Дискусия в 'P2P Lending' започната от Nikolay Delchev, 29 Яну 2018.
You've got it!
My account balance was 6600 BGN when the auto-invest process that runs every hour started. Less than 2 minutes after that, my account balance was down to 0. I'm very happy with the new auto-invest algorithm. Thank you for the great work!
Балансът по акаунта ми беше 6600 лева, когато автоинвест процесът, който се пуска на всеки час, стартира. По-малко от 2 минути след това балансът беше 0. Много съм доволен от новия автоинвест алгоритъм. Благодаря за добре свършената работа!
@Loic (Klear) Outstanding once again! 474 sold in less than 1 hour. / Изключително още веднъж! 474 продадени за по-малко от 1 час.
@Loic (Klear) And now as buyer, very nice to see auto-invested in sell-out this afternoon. You've just lowered my spent human time with at least 50%. Thank you! / И сега като купувач, много е гот да видиш автобота да е купувал при разпродажба днес следобед.Току що ми намалихте изхабеното човешко време с поне 50%.Благодаря Ви!
Здравейте г-н Тасков, и аз мисля да инвестирам в платформата, само имам един въпрос - мислите ли за възможността за внасяне на средства чрез виртуален ПОС, чрез системата на Борика например? Понеже до колкото разбрах, към момента е възможно само чрез банков превод :/
Hi @rado99 ,
Happy you consider trying Klear and sorry for my late reply.
You're right. As of today, sending money to the platform is only possible through bank transfer, from a bank account you personally own in a bank of the European Union. Why? There are 2 different reasons.
1. Know Your Customer / Anti Money Laundering
More and more financial institutions like us have to be vigilant with the origin of the money. It's why we don't accept money coming for example from a bank in the Cayman Islands or cash deposited in the branch of a bank...
We could open the door for transfers from EU payment institutions like Paysera or Transferwise, but we would need to understand better how they control the origin of the funds they receive before sending them to us. For example, we received a few transfers from Transferwise from different customers but we discovered that there are all originating from the same IBAN...
This is more related to card payments. I'm not fully familiar with the virtual POS but I guess your idea is to send money to Klear by using your debit or credit card online.
In this case, we would have to pay a fee to the POS acquirer, a fee which we would have to charge to you, at least partially. I did not check recently these merchant fees but they are usually expensive, at least 1%. This would significantly impact the return of the investment. It's why it's not an option we consider at short-term unless the costs decrease drastically.
International bank transfers are expensive but domestic bank transfers costs are rather OK. So we believe it's the best option and we share the costs together as the cost is on your side when you send money to the platform and it's on us when we send you back the money.
I hope this helps. Please do not hesitate to ask if you want additional information. Thank you!
Привет на всички, от доста време (последено 26-та страница. 08.12.2018) неуспявам да дам ъпдейт как се движа и ето, че днес успях да се наканя.
Поздравленя за Loic и екипа на Klear за подобренията, който въведоха последните месеци.
Благодаря и на всички участвали дейно в дискусията за данъците.
quater (+10 days ) status moves:
Investment longevity 15 Months and 10 days
Additional investments +0.
Diversification +67 credits.
След активната ми търговия днес за трупане на капиталови печалби идва и момента, в който отново ще трябва да ребалансирам.
@Loic (Klear) It's time to update the bank information on the interface and the template for bank transfer / Време е за обновяване на банковата информация в интерфейса и темплейта за банково нареждане.
Поздравления за платформата. Резултатите са отлични. Това е след 80 дни. Първите 500 лева вкарах на 31.12.2018, януари 6000, февруари и март по 3500. Успех на всички избрали този начин на инвестиране.
@rossenzach Голема засилка си направил Хвала! Чак ми става интересно какво ще покаже тримесечнатата статистика за инвеститори. Tо май и идва време, а @Loic (Klear) ?
Статус Мар.2019 - Продължителност на инвестиция 16 месеца. Втори месец поддържаме скорост на растеж 100лв+ месечно.
Yes you're right the name has changed although the IBAN has not changed. We'll update. Thanks!
@rossenzach, @JOJOBG , your returns are well above the expected average (5.5%) and the actual average (6.3%).
I know you know the reasons but I would like to mention them. I'm concerned that some very new investors may start transacting heavily on the secondary market, before having investigated enough the potential upsides and risks.
To achieve returns well above the average you need to transact on the secondary market, buying pieces of loans sold by other investors at a discount. Usually, loans sold at a discount are loans with a current delay or passed delay. They have a higher risk of default.
When you purchase a loan at a discount, there is an immediate positive impact on the return because of the discounted price. If the loan performs well in the future, you made a very good deal and your actual return will remain at such a high level. If the loan does not perform well, then you will have a negative impact on the return when the loan is sold at a discount to an external debt collection agency.
You can find more details on the calculation of the return in this FAQ: https://www.klearlending.com/faq/investirane/portfeil/godishna-vazvrashtaemost
As these loans have a higher risk because of the current or passed delays, you may have larger variations of your return on time. In other words, there is higher volatility when you transact on the secondary market.
This is a logical mechanism. Sorry if I repeat things you already got but I prefer to insist to avoid surprises for the newcomers.
@JOJOBG , about the quarterly results, I skipped them as there was not much change at the end of Q4 2018. Promised, we'll update at the end of Q1 2019 (soon indeed ).
They will be good. For 2 reasons. First, because the level of risk on the portfolio is good. Second, because we'll probably not have yet performed the 3rd debt sale. There are as of today a very limited number of loans which "deserve" to be sold. That's of course very good for the business and for our investors, but it's making the things more difficult when we want to sell to debt collection agencies which are used to purchase hundreds or thousands of bad loans.
We're doing our best to find the best comprise between waiting to have enough loans to sell and not waiting too long to sell a loan where obviously we have exhausted our options to collect.
My strategy does not include holding overdue and bad loans.
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