https://bondster.com Získejte pasivní příjem z investic – výnos až 14 % p.a. | Bondster Sun, 22 Sep 2024 13:52:21 +0000 en-GB hourly 1 https://wordpress.org/?v=6.8.2 https://bondster.com/en/blog/caste-dotazy/what-is-ltv-2/ Sun, 22 Sep 2024 13:52:21 +0000 https://wptest.bondster.com/?post_type=faq&p=9453 The abbreviation LTV is derived from the initial letters of Loan To Value. This parameter expresses the percentage of the loan value to the value of its collateral (real estate, cryptocurrency, etc.). The lower the LTV, the higher the security of the investment.

]]> https://bondster.com/en/blog/caste-dotazy/why-there-are-loans-with-rates-of-up-to-17-p-a-in-the-offer/ Sun, 22 Sep 2024 13:51:48 +0000 https://wptest.bondster.com/?post_type=faq&p=9450 Standard interest rates on credit cards of most domestic banks, for example, are around 20%. Even higher rates can charged on loans with very short repayment periods (e.g. up to one month). Investing in loans carries risk just like any other investment. It is then priced into the investment environment by the interest rate. Providers take the same approach to lending and the rates at which they offer loans reflect the risk profile of the borrower. Providers also often achieve higher returns for investors when financing entrepreneurs who have, for example, appropriate collateral but are unable to demonstrate sufficient history and creditworthiness to the bank. The interest rate then reflects their risk profile. However, thanks to their entrepreneurial spirit, they are often able to pay a higher interest rate.

]]> https://bondster.com/en/blog/caste-dotazy/can-i-find-out-who-the-original-borrower-is/ Sun, 22 Sep 2024 13:51:19 +0000 https://wptest.bondster.com/?post_type=faq&p=9447 To protect the borrower’s personal data, this information is not shared. The loan is managed by the provider, who takes all the necessary steps to recover the money. Investors can learn all important information in the details of each loan.

]]> https://bondster.com/en/blog/caste-dotazy/how-is-the-recovery-of-unpaid-loans-carried-out/ Sun, 22 Sep 2024 13:50:44 +0000 https://wptest.bondster.com/?post_type=faq&p=9444 Recovery of outstanding loans is carried out by the provider according to its internal processes. Providers, as credit managers, make every effort to recover the money owed. However, once the acceleration clause is activated, providers incur additional costs associated with the recovery process and therefore apply a 15% fee from the recovered amount to cover these costs.

]]> https://bondster.com/en/blog/caste-dotazy/what-happens-if-the-acceleration-clause-is-activiated-for-the-loan-i-have-invested-in/ Sun, 22 Sep 2024 13:50:16 +0000 https://wptest.bondster.com/?post_type=faq&p=9441 It is essential for providers that borrowers make regular repayments. If they don’t, then the provider has to recover the amount owed. If the loan provider offered the buyback guarantee for the loan, in the event of a delay in repayments for more than 60 days, the provider is obliged to return investors the entire principal owed and pay interest (note: for some loans, the buyback period may be shorter). If a loan is offered without the buyback guarantee, the acceleration clause is activated and the process of recovery by the provider is initiated. Investors’ claims are then satisfied from the recovered amount.

]]> https://bondster.com/en/blog/caste-dotazy/how-do-regular-withdrawals-from-an-investment-work/ Sun, 22 Sep 2024 13:49:49 +0000 https://wptest.bondster.com/?post_type=faq&p=9438 Investors can withdraw their investment after a predetermined period. Withdrawals can be made if this option is offered by the loan provider. You can find information about the possibility of using a regular withdrawal in the section My investments/investment details. By using this service, the amount of the unpaid principal is returned to the investor, reduced by the fee for withdrawing the investment. Once the withdrawal is confirmed, the amount in question is immediately credited to the investor’s account.

]]> https://bondster.com/en/blog/caste-dotazy/what-does-regular-withdrawal-mean/ Sun, 22 Sep 2024 13:49:13 +0000 https://wptest.bondster.com/?post_type=faq&p=9435 Regular withdrawal allows investors to get back the remaining unpaid loan principal at regular intervals after the investment has been made for a pre-defined fee. Providers may offer regular withdrawals such as weekly, monthly, quarterly, semi-annually and annually. Conditions for regular withdrawals are described HERE. Loans for which a regular withdrawal from the investment is offered can be recognized in the Investments offer list by this icon /insert icon/.

]]> https://bondster.com/en/blog/caste-dotazy/what-does-the-liquidity-guarantee-mean/ Sun, 22 Sep 2024 13:48:42 +0000 https://wptest.bondster.com/?post_type=faq&p=9432 The liquidity guarantee offers investors the possibility to withdraw the invested amount at any time and immediately during the investment period for a predefined fee. The return of the remaining principal takes place immediately upon confirmation. Investors can recognize a loan with the liquidity guarantee by this /icon/ or by the GL designation under the loan details regarding the withdrawal from the investment.

]]> https://bondster.com/en/blog/caste-dotazy/how-exactly-does-the-buyback-take-place/ Sun, 22 Sep 2024 13:48:12 +0000 https://wptest.bondster.com/?post_type=faq&p=9429 Buyback occurs when the borrower defaults on their obligations (i.e. the loan they have taken). The buyback is automatically activated after the expiration of the period specified in the loan parameters (note: usually 60 days, can be shorter for certain loans). The provider (i.e. the company that offered the claim on the BONDSTER market, and which also manages the loan) then buys the entire unpaid part of the principal from investors and pays them the owed interest instalments.

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