You requested, we listened. The original Go & Grow with returns of up to 6.75%* p.a. is now open to all investors. If you already invest with Bondora, log in to your dashboard, create a free Go & Grow account, and add up to €700 per month to start earning more. Don’t have an account…
The 2nd quarter of 2023 kicked off with solid numbers. March statistics smashed all previous records and set new all-time highs for investments and originations. Although the numbers have dipped slightly, they’re still topping €20M each, which sets us on track to reach our goals. Here are more stats from April: 1,309 new investors joined…
Financial literacy is a critical skill that parents must instill in their children, as it’s fundamental to navigating the complexities of modern life. But which approach is suitable for your children? Parents can teach their children about money by providing them with pocket money, either in exchange for chores or without any strings attached. Some…
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…
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…
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….
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…
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…
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…
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…
We have reached 2 important milestones: we have paid out 1 million euro in interest to investors and issued 10 million euro in loans to borrowers. See the infographic below for more information.