We do have to note that it is essential to be careful about the lenders you choose. Make sure you do extensive research on where to invest, as well to diversify by geography, loan type but above all loan originator.

The idea is rather simple. A borrower applies for a type of loan with one of the companies connected to the PeerBerry marketplace.

The majority of loans available are for a short period of time, usually around 30 days. The loan originator will repurchase the loans in full including the accrued interest.

If the loan originator faces financial difficulties and is not able to honour the buyback guarantee, the Additional Group Guarantee will come into force.

It is an extra layer of security for the investor, as the Aventus Group and Gofingo Group will cover all liabilities of this particular company.

Overall, the guarantee is as strong as the Group is — otherwise it could not provide the buyback for the investor. They have a strong balance and good net profit margins.

In other words, the Group is very well capable of upholding the buyback guarantee. If you want to deposit money with PeerBerry, there a few things to take note of.

You can only invest with PeerBerry if you are a European citizen. A direct transfer via, for instance, Trustly or Transferwise is unfortunately not on offer.

Inside the platform, I only have one auto-invest setup because all loans basically are the same. They are all short-term consumer loans with a buyback guarantee.

They actually started offering loans at Mintos , but instead, they chose to start their own platform. The platform has a very simple style and easy to understand interface.

The minimal amount to invest in one loan is EUR 10 and as soon as the money is in the account you can start invest. Most loans are short-term consumer loans.

Usually between days. The good thing about short-term loans is that you can easily access your money as the maturity of loans is around 30 days.

They have introduced a loyalty program you can join after 90 days as an investor. Then you receive more in return because you invest more.

This is the conditions:. Silver investor: Invest minimum Gold investor: Invest minimum Platinum investor: Invest minimum It is important to remember that these yields are based on annual gains, even though the loans available at the platform usually mature within a month.

Most peer-to-peer lending platforms offer longer-term loans, meaning that you would receive a fixed monthly payment from the borrower until the full amount is paid back.

However, as PeerBerry facilitates short-term loans, you will only receive a single payment. This will include the principal amount plus the applicable interest.

The originator would then forward the funds onto PeerBerry, who it turn would credit your account. In Layman Terms, the higher the yields on offer, the more risk there is that the borrower will default.

Crucially — and as we have noted throughout our review thus far, PeerBerry loans are essentially payday loans. Such financing agreements are typically facilitated for those that need a small boost of cash, and borrowers often have poor credit.

When you factor in the exceptionally high interest rates that come with the loans, there is the very real chance that the end borrower could default on their loan.

If this is the case, then the good news is that all PeerBerry loans come with a Buyback Guarantee.

Buyback Guarantees are becoming more and more popular in the peer-to-peer lending space. They offer investors an element of protection in the event that a borrower defaults on their loan.

The Buyback Guarantee is between PeerBerry and the originators that it has partnered with. As such, were a borrower to default on their payments, the originator would be legally obliged to purchase the loan in full from PeerBerry.

As you will see from the above example, the only loss that you would have made as per the Buyback Guarantee was an opportunity cost.

In other words, by having to wait an additional 60 days to receive your money back, you were not able to reinvest the cash into other opportunities.

The above example illustrates just how effective the Buyback Guarantee can be in the event a borrower defaults on payment.

As a result, there is always the possibility that the originator runs into financial difficulties, which could put the Buyback Guarantee into jeopardy.

Whether or not PeerBerry would have the required finances to cover the bad debt itself remains to be seen. Some peer-to-peer platforms carry an additional reserve pot, which is in place to cover the event of an originator default.

However, we were unable to find any information as to whether or not such a pot exists at PeerBerry. As it the case with a lot of crowdfunding platforms, you will have the option of choosing your own investments, or opting for the auto-invest feature.

As such, you might be best to stick with the auto-invest option. In doing so, you simply need to specify how much you want to invest, and then PeerBerry will take care of the rest.

The platform will diversity as much as possible, with auto-invest plans consisting of loans from multiple countries and various risk scores.

Regardless of what asset class you are choosing to invest in, it is important to diversify your holdings as best as possible. Vorteile, die Sie erhalten.

Rückkaufgarantie Alle Kredite sind mit einer Rückkaufgarantie ausgestattet, so dass Kreditgeber die Kredite in voller Höhe mit aufgelaufenen Zinsen kauft zurück, falls ein Kreditnehmer über 60 Tage zu spät zahlt.

Mehr zur Rückkaufgarantie. Mehr zur Die Garantie des Konzerns. Es sei denn, Sie investieren lieber manuell, was bei uns ebenfalls sehr einfach ist.

Verfügbare Darlehen. Beginnen Sie zu investieren.

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Die grüne Box zeigt mir an, in wie viele Kredite ich aktuell Prozentrechner Kostenlos bin. Earn % on Peerberry when you use an Peerberry promo code or referral link. Choose one of the Peerberry referral code and create your account. Peerberry will give you a referral reward of % for free when you use an Peerberry promo code on signup. PeerBerry is a crowdlending platform allowing to invest in consumer loans originated by credible non-banking lenders from across Europe. At start the platform was launched on 1st of November with loans originated by Aventus Group, an international lending company of + employees founded in Peerberry is one of my favorites Peerberry is one of my favorites platforms in my portfolio. Appreciate stability of loan originators in background and how they are able to manage their lending companies in this a bit more turbulent time. I invest here more than 2 years and until now very good experiences only. PeerBerry is a European investment platform within P2P lending. The platform is owned and operated by Aventus Group. It’s a very successful and healthy company from with + employees and +10 years of experience as a loan originator. Basically, you invest in short-term loans and receive ongoing interest. Launched in , PeerBerry is a peer-to-peer lending platform that enables everyday investors to loan out money to third-party borrowers. The platform itself operates much in the same way as any other peer-to-peer site, insofar that you can invest as little as € I have invested in the 4 Gewinnt Tricks behind the platform Mintos. No secondary market. New Euro Teams P2P Wieviel Romme Karten If you do need to withdraw your earnings to a new bank account, you will first need to make a small deposit from the account. Registering at PeerBerry:. But how good is the platform, and Peerberry does it compare to Secrets.De Erfahrungen P2P platforms? The majority of loans available are for a short period of time, usually around 30 days. 1xbet.Com Esc to cancel. Most borrowers Peerberry based across Eastern Europe, as well as Kazakhstan and Russia. You can only invest with PeerBerry if you are a European citizen. Real Estate - Reinvest P2P 12 Gewinnchancen Fast Invest. In just minutes, your account is set up and ready to go. It is important to remember that these yields Euro Joker Ziehung based on annual Online Speile, even though the loans available at the platform usually mature within a month. We Like. Transparent, responsible, and reliable investments with an annual return of up to 12%. Nr. 2 Peer-to-Peer-Kreditvergabe in Kontinentaleuropa. Investieren ist einfacher geworden. Investieren Sie in Darlehen erfahrener Marktteilnehmer und erhalten​. Viele P2P Plattformen hatten während der Corona Krise Probleme, alles unter Kontrolle zu halten. Doch wie hat Peerberry abgeschnitten? Lesen Sie unsere Erfahrungen mit Peerberry. ✅ Investieren Sie in Kurzzeitkredite mit Rückkaufgarantie. ✅ Kapitalbindung nur 2 Monate.