P2p investment results
A month ago, I decided to check the reliability of p2p investment. About the features of the direct issuance of loans from the depositor to the borrower without the participation of banks can be read in the last post, and I want to take stock.
I am a cautious person, so I only used 5,000 rubles to check the service. True, I had to spend time searching for a reliable borrower with a high rating. To issue a loan, just look at the table for those who want to get this loan. There were 177 organizations willing to receive my money.
But there is a moment in the selection of loans is to look at the category of the borrower, which is appropriated by the experts of the site. I do not recommend contacting low category borrowers. For those who do not have time, it is possible to customize autoinvestment by the given parameters. Having made my choice, I signed a loan agreement right on the site.
After 28 days, all the money returned to the virtual account (investment + income). So, my profit for the month was 83 rubles, or 1.66%. Is it a lot? If you think of a planning horizon of 12 months - it turns out 20% per annum.Over the course of a year, 5,000 rubles have turned into 6,000, and this is already a fairly decent level of return on investment, especially against the background of small percentages of bank deposits.
What I liked especially was that the platform itself holds and pays for the personal income tax, i.e. The amount paid to the investor minus the withheld income tax.