Lesen Sie hier unsere Erfahrungen & Test mit Swaper, der estnischen P2P-Plattform. ✔️ Ist Swaper ein seriöser Anbieter? P2P Kredite Plattform Swaper bietet Geldanlagen im Crowdlending Bereich. Erfahrungen Swaper, Swaper Test. Vorteile und Nachteile von. Hinter Swaper, einem Person-to-Person (P2P) Kreditportal, steckt eine lettische Finanzgruppe namens “Wandoo Finance Group” mit Sitz in Riga. Das Geschäft.
Swaper Erfahrungen und TestberichtLesen Sie hier unsere Erfahrungen & Test mit Swaper, der estnischen P2P-Plattform. ✔️ Ist Swaper ein seriöser Anbieter? Schau dir die Artikelsammlung über Swaper auf Deutschlands beliebtestem Blog zum Thema P2P Kredite an und lerne von den gemachten Swaper. Hinter Swaper, einem Person-to-Person (P2P) Kreditportal, steckt eine lettische Finanzgruppe namens “Wandoo Finance Group” mit Sitz in Riga. Das Geschäft.
Furthermore, she has been a board member in a number of companies which is providing financial services. Therefore, actions made by Wandoo Finance Group will reflect the Swaper platform.
In the interview, the product owner at Swaper was interviewed. She has stated that Swaper will launch a range of exciting products and features in the near future.
Furthermore, she says that in focus is to grow both sides of the marketplace to satisfy the increasing number of investors.
Swaper is not received with open arms on their Trustpilot page. However, the critic Swaper is getting is the lack of available loans.
An investor has wanted to invest manually and cannot find any loans. After setting the auto-invest he did not get any loans for days.
Currently, that is just how Swaper works. There is not a lot of loans available. However, the other review of Trustpilot is rather positive.
There is no public financial statements from Swaper. However, it is possible to find their Lativian registration here. However, to view any financials I would have to log in somehow.
While it is only a fraction of the whole business group, it can be used to some extent to understand their use of money.
The full statement can be found here. These highlights are not very satisfying to see as an investor. While this is only a fraction of the whole Wandoo Finance Group it is not pleasing to find so big deficits.
In essence, they have 2. First of all, Swaper is regulated under The Republic of Latvia. Latvia is a commonplace for P2P lending platforms to establish a marketplace.
Latvia is, therefore, working towards implementing specific regulations covering marketplace lending. Furthermore, Latvia is a part of the European Union.
Which requires registration of its customers to prevent money laundering and criminal financing. Lastly, Swaper guarantees that the funds you have deposited to their bank accounts will be transferred from their accounts to you within two working days after receiving your request for withdrawal.
Swaper will buyback any loans which is more than 30 days overdue if the loans is supported by the buyback. In case the loan do not have buyback, you can always sell it on the secondary market.
The loan will typically be sold immediately due to the low demand for loans on the Swaper platform. If a borrower does not meet the repayment schedule Swaper will take a range of actions to collect the debt:.
Also, do you not think it is a bit odd that Swaper provides the buyback guarantee rather than Wandoo Finance? I usually buy these kinds of reports whenever I need to check how companies are doing, as they are the same accounts that they post to the tax authorities every year.
I like the way that you presented the platform with all its pros and cons. It looks interesting but I still believe that real estate crowdfunding is a more attractive field — at least for me.
Of course, you need a diversified portfolio that contains different assets, but I believe that real estate crowdfunding has a better structure from the security perspective for investors.
Right now me and my wife after investing in real estate across all Europe from a really nice aggregator for real estate.
I also had the change to meet the team and I am really happy with what I saw. Thanks for your views Albert. Real estate has its advantages as well, but compared to platforms like Swaper you have a higher risk of having your cash tied up for many years without being able to liquidate it.
I would agree that they are complimentary in a diversified portfolio. Comments for robots Please remove this comment to prove you're human.
Thanks for choosing to leave a comment. Please keep in mind that all comments are moderated according to our comment policy , and your email address will NOT be published.
Please Do NOT use keywords or links in the name field. Online Entrepreneur. Global Citizen. Padel Player. Summary Swaper is a platform that boasts a beautiful and clean web design as well as iOs and Android apps to easily manage your investments.
The company owns multiple loan platforms throughout the five supported countries we listed above. Once Wandoo Finance Group does issue a loan, the agreement will then make its way to the Swaper platform for peer-to-peer investors to fund.
So now that you have a bit of background on the platform, in the next part of our Swaper review we are going to see who is eligible to make an investment.
Peer-to-peer investments at Swaper are targeted to European investors. To clarify, you can either be a permanent resident of an EEA state, a citizen, or a resident for tax purposes.
Moreover, you need to have a bank account in the said member state, and be aged at least 18 years old. Other than that, there are no other eligibility requirements that you need to consider.
Firstly, you will need to head over to the Swaper homepage and open an account. As is the case with any investment platform, this will require you to provide some personal information.
In order to remain compliant with domestic and regional regulations on anti-money laundering, Swaper will be required to verify your identity before you can make an investment.
This can be completed in just a couple of minutes by uploading some documents. This includes a government-issued ID such as a passport or national ID card.
You will also need to upload a document that verifies your home address. This can be a utility bill, bank statement, or tax statement. Once your identity has been verified, you can then proceed to make your first investment.
You will be presented with an innovative investment tool that allows you to amend a range of variables linked to the loan.
Firstly, you need to decide how much you want to invest and for how long. When it comes to the term of the investment , this ranges from months.
However, you will also have the option of choosing the maximum term of the specific loans that you fund.
This starts from just 30 days, meaning that you would effectively need to engage in at least three sets of day loans to meet the 3-month minimum investment period at Swaper.
Although you have already defined how much you want to invest in total, you also need to specify the maximum investment per loan.
Instead, it would wiser to diversify by lending to multiple borrowers, subsequently reducing the impact of a potential default. You will also get the option of utilizing the auto-invest feature.
This is highly useful in terms of achieving the effects of compound interest, as you will be able to grow your money much faster.
When a borrower settles a monthly repayment, and the funds are added back to your Swaper account, you can have the repayment automatically invested into additional peer-to-peer loans on the platform.
The investment tool also gives you the option of selecting which countries you want to back loans in. When you invest on Swaper, you buy claim rights for loan receivables and investments in loan receivables are subject to risks.
Use necessary cookies only Allow all cookies Show details. Use necessary cookies only Allow selection Allow all cookies. Show details.
Necessary cookies help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies.
Session HTTP test cdn. This cookie is necessary for GDPR-compliance of the website. This is used in context with load balancing, in order to optimize user experience.
Preference cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in.