Eine weitere Plattform in meinem P2P Zoo: Swaper. Hier erfährst du mehr zu meinen Erfahrungen und der Entwicklung meines Investments. Swaper keine Kredite. Created with Highcharts Swaper Wandoo Finance 0 0 3 3 Net Loan Portfolio 4Q 1Q 2Q 3Q 4Q 0 1 2 3 4. Lesen Sie hier unsere Erfahrungen & Test mit Swaper, der estnischen P2P-Plattform. ✔️ Ist Swaper ein seriöser Anbieter?
Swaper Test & ErfahrungenZumal Peteris ein Kenner der p2p Szene ist und seine Erfahrung in diesem Bereich unter anderem bei Twino sammeln konnte. Swaper war nicht mehr in meinen. P2P Kredite Plattform Swaper bietet Geldanlagen im Crowdlending Bereich. Erfahrungen Swaper, Swaper Test. Vorteile und Nachteile von. Created with Highcharts Swaper Wandoo Finance 0 0 3 3 Net Loan Portfolio 4Q 1Q 2Q 3Q 4Q 0 1 2 3 4.
Swaper P2p When should you reinvest your earnings? VideoSWAPER P2P I INTERVIEW - CEO IVETA BRUVELE I AT THE MANAGEMENT MEETING IN VALENCIA
For a detailed comparison of the different p2p-lending marketplaces, check out this article. To become an investor you need to be at least 18 years old, be a resident of a European Economic Area EEA country and have a bank account in a bank situated in an EEA country.
An individual is recognized as a resident if he or she is a citizen, has a residence permit or is registered as a tax payer in an EEA country.
If Swaper's parent company Wandoo Finance group published audited financial reports, it would be a great step forward.
This would allow investors to assert the platform's financial solidity. For now, more reliable alternatives exist.
There's of course Robocash , which has been competing with Swaper for years. Unfortunately, it suffers from poor ergonomics. Another better alternative to Swaper is Lendermarket.
It offers similar interest rates and also provides a flawless ergonomics. In addition, loans on this platform are provided by the large financial group CreditStar, which is financially solid.
Please note that this review may contain affiliate links. It means that I will earn a commission if you decide to invest after clicking through the link — at no additional cost to you, of course -.
Please understand that I have experienced all of these companies, and I recommend them because they are helpful and useful, not because of the commissions I make if you decide to invest through my links.
My account invests into new loans every day. Are you still having problems with loan availability on Swaper? Currently all my funds are invested, but a few days ago there was still a little amount available.
Good to hear that your funds are invested. I actually like Swaper quite a lot. If you have any problems with cash drag feel free to contact me.
I have not had a single day where my money has not been invested. You might need to change your auto-invest setup. I wrote a small guide in my Swaper review.
It actually pained me that there were not more loans available in their platform, so I would be pleased if the situation improved!
Hi, recently it is hard to find loans in Swaper. I speak for a portfolio of about 1k euro. Hello Barbarosa, is the situation still the same?
My current experience with Swaper is than the loans supply has increased and currently all my funds are invested.
Hi, Are you currently experiencing cash drag again? Thanks for the compliment! Yes I thought about the potential effect of the bonus campaign, and actually saw that the offer is extended for one month more.
I missed it even though it was already in place.. The lending process on Swaper is rather straightforward: all loans on the platform are originated by Wandoo Finance , who offers short unsecured day loans to borrowers.
Once a loan has been issued by the loan originator, it will become available for investors on the platform. With manual investing , the investor manually selects and invests in individual loans.
With automatic investing , the investor is setting up an Auto Invest portfolio that will automatically invest in loans that become available on the platform.
We will go through both manual and automatic investment further down in this article. There are currently no fees on Swaper ; neither opening an account nor adding or withdrawing funds are subject to a fee.
The same goes for selling loans on the Secondary Market. Swaper offers a Loyalty Bonus for registered users with large portfolios.
In order to become eligible for the bonus, investors should invest more than 5, EUR over a period of three months.
The annual interest rate is the gross rate that is paid to investors over the course of a year, however, it is paid out on a monthly basis as soon as the borrower repays the loan that you have invested in.
Each loan on the platform has its own individual payment scheduled, and investors will receive repayments accordingly. As is the case with other P2P lending marketplaces, the repayment of loans depend on the individual borrowers and investors might risk lending money to borrowers who cannot pay the money back.
That said, Swaper mitigates this additional risk factor by offering a Buyback Guarantee on selected loans. Swaper offers a Buyback Guarantee for the loans listed on the platform that will step into force if a borrower becomes late with a repayment by more than 30 days.
Investing always comes with a risk, and those who are not willing to take that risk should reconsider whether investing is really their thing.
One of the risks of investing in P2P lending platforms is that these platforms — just like any other businesses — can go bankrupt due to, for instance, financial reasons.
If this happens to a peer-to-peer lending marketplace such as Swaper , the question stands:. With the direct investment structure, investors lend money directly to borrowers through the platform, obviously , and they claim rights against the borrower directly.
With the indirect investment structure, you l end money through partners of the platform, the so-called loan originators , who will ultimately lend your invested money to the borrower.
In other words, investors are indirectly investing in loans through loan originators and they hold no direct claim for the borrower of the loan.
The investment structure on Swaper is indirect, but unlike other platforms such as PeerBerry and Mintos , Swaper does not collaborate with external loan originators; the platform only presents loans originated by Wandoo Finance Group.
They do so in order to better manage the risk and ensure a high level of control and insight into the loans that become available on the platform.
If Swaper for some reason will go out of business, the claims that investors buy against borrowers will not be affected.
Swaper implements other risk reducing measures such as a full Buyback Guarantee. On Swaper you can choose to invest your money manually in the individual loans on the platform or through the Auto Invest feature which automatically invests your money in available loans that match your selected criteria.
We will dive into the Auto Invest feature in the section below, but first we will look into the manual investing. Manual investing on Swaper is really easy, and you can even start investing with as little as 10 EUR, which makes this platform ideal for beginners.
As soon as you have successfully transferred money to your Investor Account , you can create your Auto Invest portfolio.
Communication happens in perfect English, unlike other platforms that really struggle to issue coherent statements. I really like this platform and the team have been extremely pleasant to deal with whenever I contacted them.
The live chat support works flawlessly and the team will be happy to answer any questions you have with a cheerful but professional attitude.
Perhaps in the future, they can expand further beyond Wandoo, as I believe that would minimize the risk of depending on just one loan originator although it already operates in several different markets, which in itself minimizes risk.
I would recommend Swaper for those who want to diversify their P2P lending investments, for example using two or three other established P2P platforms to spread risk.
Mintos , Iban Wallet and Peerberry would be two candidates that I would recommend. You could also mix that with real-estate lending and equity platforms like EstateGuru and Crowdestate for a well-rounded portfolio.
Have you invested with Swaper yourself? Let me know about your experience in the comments section below. Join Swaper.
Swaper is a platform that boasts a beautiful and clean web design as well as iOs and Android apps to easily manage your investments.
Jean Galea is a dad, amateur padel player, host of the Mastermind. How safe would you consider Swaper to be? My concern is that we do not know how well Wandoo Finance is doing financially.
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.
Learn More. Invite your friends to invest with Swaper too and earn extra bonuses based on their investments. Take part in our various cashback campaigns to earn additional bonuses on your investments.
Swaper is not regulated under any financial services license. When you invest on Swaper, you buy claim rights for loan receivables and investments in loan receivables are subject to risks.
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Determines whether the user has been shown feedback messages.Über die P2P-Plattform Swaper können Anleger Geld in Kredite aus Polen und Spanien investieren. Dafür gibt es bis zu 16 Prozent Zinsen p.a. Jetzt in unserem. Lesen Sie hier unsere Erfahrungen & Test mit Swaper, der estnischen P2P-Plattform. ✔️ Ist Swaper ein seriöser Anbieter? Swaper Erfahrungen (): Wie schneidet die P2P Plattform ab? ✚ Testberichte & Bewertungen von Nutzern ✓ Jetzt zu Swaper & 2 Prozent Bonus kassieren! P2P Kredite Plattform Swaper bietet Geldanlagen im Crowdlending Bereich. Erfahrungen Swaper, Swaper Test. Vorteile und Nachteile von. Swaper is a P2P lending platform, where you can earn up to 16% annually. The minimum investment is € There are no fees for investors, including the secondary market. Swaper differs from other platforms by operating with only one loan originator, Wandoo, as well as offering all loans at a fixed 14% interest return. What is Swaper P2P Lending Platform? Swaper was founded back in October Currently, Swaper has over active investors, who together have received over 1,3 million euro in interest. Swaper offers a 12% interest on all loans. Many P2P platform provide details about the borrowers. It’s not the case at Swaper; however, it’s not a bit deal. Indeed, as an investor, this is rather useless information. Swaper is a modern P2P Marketplace powered by technological innovations. It builds on the idea of P2P lending and combines it with investment opportunities. Swaper is part of the Wandoo Finance Group. The Peer to Peer platform was launched in October in Riga, Latvia. In the 3 or so years the Swaper P2P platform has been up and running, it has lent out over 80€ million Euros from 2, investors to consumers in 5 countries.