Bondora Blog

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The roller-coaster Secondary Market fell in December

Market & Pricing

The past few months have seen Bondora Secondary Market transactions yo-yo from growth to contraction in sizable ways, and this month was no different. After growing by 36.2% in November, Secondary Market transactions were down by 32.8% in December, totaling €354,480. Manual transactions, which make up most of all Secondary Market transactions, were lower by…

2020 returns remain stable in December

Market & Pricing

After a month of increased portfolio returns in November, Bondora maintained these solid return rates to the end of the year. Returns on Estonian originations were strong, and all return rates for the year remained in double-figures. As always, country-specific performance charts are broken down by the number of loan issuances over the given period,…

Total investment grows across all Bondora products in December

Market & Pricing

Bondora investment continued to see an upswing in December, ending 2020 on a positive note. Total investment on the Bondora platform came to €7,043,525 in December. It showed a growth rate of 7.8% month-over-month compared to November’s €6,531,141. Go & Grow was up by 7.9% in the month to €6,543,775. But Portfolio Pro stole the…

€20M issued and 21.5% return earned on mature investments

Market & Pricing

Today we are speaking about Bondora portfolio returns and introducing the changes, requested by the investment community. Please scroll down for more information. New Bondora milestones We are happy to announce that Bondora has reached 2 new milestones: 20 million EUR issued in loans to borrowers 2.6 million EUR paid out in interest to investors…

P2P Finance Association definition of default rates

Collection & Recovery

On June 18th P2P Finance Association announced that their members will be using a standard way to calculate default rates to help consumers compare the performance of the portfolios on different platforms. In short, the new standards consider a loan default when it has been overdue for at least 120 days. You can read more…

What happens if a loan defaults?

Collection & Recovery

The Peer-to-Peer Finance Association (P2PFA) guidelines consider that a loan defaults after any portion of the loan is not repaid after 120 days following the original loan repayment date. We have a more conservative approach and consider a loan defaulted when a borrower has missed a scheduled payment by more than 60 days (or, in other…

What is default rate and recovery rate?

Collection & Recovery

Today we are writing about the default rate and the recovery rate of the defaulted loans. How is the default rate calculated? Some of you have asked us different questions about the default rate. In order to answer them, we first need to give a definition of the default rate. In our case, a loan…

How to set up a portfolio manager?

Collection & Recovery

If you are new to Bondora, it may be unclear how to set up your first portfolio manager. Should there be more than one portfolio manager? What criteria should you select? What does “portfolio limit” mean? Today we will explain what to look for when setting up your portfolio manager and start your automated investments….

Risk diversification and loan offer limits for investors

Platform Overview

Low diversification leads to higher risks Loan diversification, as mentioned before, is one of the main investment strategies in peer-lending to reduce investment risks. Even though it is possible to invest manually without any limits, it is always recommended to diversify between a number of loans, making small investments into each. For example: if you…

Bondora is now regulated by the FCA

Bondora

We are happy to announce that Bondora has now received a peer-to-peer lending license from the UK Financial Conduct Authority (FCA). The FCA-supervised peer-to-peer lending license is the only license available in Europe, which subjects peer-lenders to regulatory oversight. Bondora is one of a few peer-lenders currently operating under such license. The interim license increases…

isePankur has rebranded as Bondora

Bondora

We are glad to welcome you at Bondora, a new international trademark for isePankur. isePankur’s rapid development in the past 5 years left no room for the brand to accommodate our cross-border expansion. Like isePankur, Bondora continues to be a platform where you can invest into loans, previously accessible to banks and large financial institutions…

Recovery rates for different debt-to-income levels

Collection & Recovery

Some of the investors have enquired about the differences in recovery rates for different levels of debt-to-income. To explore this topic, we took a look at different timeframes (2011, 2012, 2013) and  discovered a tendency for no visible negative affect of the DTI level on recovery rates.* The chart below shows all recoveries and re-performing…