Proyecto CONSUMER LOAN PORTFOLIO ACQUISITION ( Rent. 24% durante 12 meses)
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Proyecto CONSUMER LOAN PORTFOLIO ACQUISITION ( Rent. 24% durante 12 meses)
CARRUSELL DE PROYECTOS EN NOVIEMBRE.
https://crowdestor.com Y otro mas y este de rentabilidad altísima un 24% , tendremos que leer la letra pequeña, pero sin duda entrara dinero desde el primer momento.
Fecha de apertura: Martes 26 Noviembre 2019
Hora de apertura: 19:00 hora española
560.000 € a 12 meses y ofrecen un 24% vamos muy pocos han estado por encima que yo recuerde.
Como es de tamaño importante, sera bueno leer todos los detalles antes de invertir, pero que esa rentabilidad bien merece una inversion, aunque sea modesta.
Recordaros que https://crowdestor.com también paga los intereses ( 5% mínimo) desde el momento que hacéis la inversión sin esperar al cierre del proyecto.
ATENCIÓN
Si abres o abriste cuenta en la plataforma hace menos de 6 meses obtén un +1% de rentabilidad
La TIR del proyecto rondara el 26.75 % atractivo es poco, siempre si se cobran mensualmente intereses pero si aplicamos + el cashback +1%., AQUI 1% CASHBACK podréis obtener un 1% extra de Beneficio en vuestras inversiones en https://crowdestor.com.
Este enlace es exclusivo del foro www.crowdfunding-market.com que permitirá mejorar la rentabilidad y TIR por encima del 28.10% .

Condiciones para cobrar el bonus:
1- Hacer siempre click independientemente de la antigüedad de la cuenta AQUI 1% CASHBACK
2- Si eres un nuevo usuario hacer click AQUI 1% CASHBACK . y darte de alta, durante 180 días tienes garantizado el bonus +1%.
3- Si tienes cuenta abierta con una antigüedad inferior a 6 meses también obtendrás el bonus +1,( ir al punto 1 y hacer click) durante el periodo restante hasta el total de 180 días.
4- Para el resto de usuarios NO puedo garantizar el cobro de ningún bonus, por el momento aunque estoy en ello.( ir al punto 1 y hacer click igualmente.)
Iré actualizando la información cuando abran el proyecto, ya sabéis que se la reservan para el día de la apertura.
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Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin (1706-1790) Estadista y científico estadounidense
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Re: Proyecto CONSUMER LOAN PORTFOLIO ACQUISITION ( Rent. 24% durante 12 meses)
Bueno , no es descabellado , si la due dilegence es correcta, prácticamente pagaran el 50 % de una cartera de prestamos, mas de 6.000, estamos hablando de mas de 1.2 millon de €.
Así a grosso modo, voy a poner un 25%( tiro a media alta) de fallidos = 250.000 €
Intereses del préstamo , 24% durante un año = 125.000 €
Costo de la cartera = 500.000 €
Fees y otros gastos = 75.000 €
Aun se quedan 200k de Beneficio en un año, y si son buenos con el recobro mas.
Si son malos, el fallido puede pasar en un plis plas al 50%
Así a grosso modo, voy a poner un 25%( tiro a media alta) de fallidos = 250.000 €
Intereses del préstamo , 24% durante un año = 125.000 €
Costo de la cartera = 500.000 €
Fees y otros gastos = 75.000 €
Aun se quedan 200k de Beneficio en un año, y si son buenos con el recobro mas.
Si son malos, el fallido puede pasar en un plis plas al 50%
_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin (1706-1790) Estadista y científico estadounidense
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Re: Proyecto CONSUMER LOAN PORTFOLIO ACQUISITION ( Rent. 24% durante 12 meses)
Aquí nos han enviado el plan de pagos previsto del proyecto.
En mi opinión han sido inteligentes y pagaran los menos intereses posibles, han actuado como yo lo hubieses hecho, por lo tanto me gusta.
también os pongo la TIR , logicamente para nuestros intereses no es tan buena como antes , pero superara el 21% y eso es mucho.
En mi opinión han sido inteligentes y pagaran los menos intereses posibles, han actuado como yo lo hubieses hecho, por lo tanto me gusta.
también os pongo la TIR , logicamente para nuestros intereses no es tan buena como antes , pero superara el 21% y eso es mucho.
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Dear , Project "CONSUMER LOAN PORTFOLIO ACQUISITION" principal repayment schedule is following:
Best regards, CROWDESTOR |
_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin (1706-1790) Estadista y científico estadounidense
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Re: Proyecto CONSUMER LOAN PORTFOLIO ACQUISITION ( Rent. 24% durante 12 meses)
TOCA VOTAR y decidir si ampliamos plazo o asumimos perdidas., para esto siempre habra tiempo, por lo tanto votare ampliar plazos.
Dear investors, Georgia has been one of the hardest-hit countries by the number of new cases - there are more than 4,000 reported cases on daily basis (https://www.worldometers.info/coronavirus/country/georgia/), and testing for the virus is still slow. The country’s economy has been hit particularly hard due to COVID-19 shutdowns. First, our country’s largest export is tourism, accounting for USD 3,22 billion, accounting for 39% of all exports. This season has seen a 94% drop in international travelers (https://agenda.ge/en/news/2020/1591), with international tourism ban initially planned till the end of June, now has been postponed to later dates which are not announced yet, since COVID-19 situation differs and changes rapidly from country to country. The anticipation here on the ground is that Georgians will be lucky if there is a tourism season in 2021. Secondly, tourism and trade are major drivers for most other sectors in the market, such as hospitality, air, and other transport (accounting for another USD 845 million exports), the recovery in economic activity has been slow as borders remain closed and international travel is broadly banned. Therefore, in the second quarter of 2020, economic growth was (-)12.3%. A decrease was observed in the following sectors: transport and warehousing, provision of accommodation and food delivery, art, entertainment and leisure, construction, professional, scientific and technical activities. Should be noted that about 60% of employees in Georgia are self-employed, whose incomes have also been significantly reduced due to the crisis caused by the pandemic(https://www.geostat.ge/en). In addition, due to diminished consumption locally, Georgian Lari (GEL) has depreciated significantly, to its all-time lowest value, a trend expected to continue further, with no significant change in sight. Beginning of the year, when we launched our first project, the GEL exchange rate to EUR was 3.05, it has depreciated by 25% till today, now standing at 3.96 (https://bankofgeorgia.ge/ka/retail/main ). The increase in the exchange rate also led to an increase in inflation, which amounted to 6.1% in September. This has caused an additional slowdown of our collection efforts, thus unforeseen losses to our projects. Due to the difficult economic situation, expectations for stabilization of the currency rate are negative. Moreover, the GEL exchange rate is expected to depreciate furthermore and cause an even sharper rise in inflation, since Georgia is heavily dependent on imports. Bank overdue loan portfolio increased by 28% from January to September. Preparing for the dire economic outfall, local banks have started the restructuring of loans, to avoid these portfolios exploding and causing an uncontrollable economic downwards spiral and driving homelessness. Because of a substantial increase in unemployment, economic entities can no longer service/repay the loans. During the first lockdown, banks have postponed monthly scheduled payments for only 3 months, a deadline that has already passed with no clear plan for further relief action. All the above-mentioned reasons have significantly affected our debt recovery rate, which has decreased by 70%. Our proposed best course of action and way out of this difficult situation would be to start the legal collection process as soon as possible. Unfortunately, the pandemic has had a major impact on the court system, by significantly reducing operations and extending the time to receiving court rulings. In addition, this type of large-scale legal process approach today would require a substantial amount of cash resources for court expenditures, which we are unable to mobilize in this difficult situation. The 3-month grace period announced by the CROWDESTOR allowed us to invest a certain amount of cash in the legal collection, but unfortunately, for the reasons mentioned above, this does not give us exaggerated expectations of high efficiency in the short run. We are doing our best to ensure the most efficient collection process with as little loss as possible. However, today we believe there are two courses of action out of this difficult and still deteriorating situation. One option is to auction all portfolios and assess an early exit option, the second – to continue rather passive work on the portfolios till the moment the economic situation has stabilized, and we can return to usual collection processes and efficiencies. We have taken the necessary steps and have sent proposals to all major collection agencies in the market to get quotes for our portfolios. Here is where we currently stand with the projects:
We see that there is no possibility to pay back the loan in full amount in the current schedule. There are two feasible options for moving forward:
Hereby we are asking investors to decide by a vote which of the above-mentioned actions would be preferable for each of you to take. We do hope that things will get back to normal sooner than later, though Georgia’s economy and standing in the word when it comes down to vaccine deliveries or international relief keeps us wary on a speedy recovery in 2021 or even 2022. Therefore, if investors would vote to exit this position now, we believe this would help to avoid uncertainty and all the risks that come with it. Regards, Bachana Rapava 18/12/2020 |
_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin (1706-1790) Estadista y científico estadounidense
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Re: Proyecto CONSUMER LOAN PORTFOLIO ACQUISITION ( Rent. 24% durante 12 meses)
Resultado de la votacion
From 22.12.2020 until 05.01.2021 CROWDESTOR organized online voting for project CRP-2768 “CONSUMER LOAN PORTFOLIO ACQUISITION”. In total 560,000 investor votes were eligible for participating in the voting. A total of 475,633 investor votes were cast which constitute 85% of the total number of votes. Therefore, voting is eligible to adopt decisions.
The distribution of votes is as follows:
A total of 435,750 votes were cast in favor of this option. Constituting 92% of the total amount of votes cast in the meeting.
A total of 39,833 votes were cast in favor of this option. Constituting 8% of the total amount of votes cast in the meeting.
Considering the results listed above, the investors have voted in favor of CROWDESTOR propositions and, thus, adopts a decision to negotiate with the Borrower a maximum possible regular monthly repayment and consider restructuring at the end of the loan period. Please see the voting report.
We would like to thank you for your support and responsiveness in our concept of letting investors speak up on business decisions.
Best regards,
CROWDESTOR
From 22.12.2020 until 05.01.2021 CROWDESTOR organized online voting for project CRP-2768 “CONSUMER LOAN PORTFOLIO ACQUISITION”. In total 560,000 investor votes were eligible for participating in the voting. A total of 475,633 investor votes were cast which constitute 85% of the total number of votes. Therefore, voting is eligible to adopt decisions.
The distribution of votes is as follows:
- To support CROWDESTOR in rejecting the Borrower’s offer
A total of 435,750 votes were cast in favor of this option. Constituting 92% of the total amount of votes cast in the meeting.
- To accept one of the Borrower’s offers
A total of 39,833 votes were cast in favor of this option. Constituting 8% of the total amount of votes cast in the meeting.
Considering the results listed above, the investors have voted in favor of CROWDESTOR propositions and, thus, adopts a decision to negotiate with the Borrower a maximum possible regular monthly repayment and consider restructuring at the end of the loan period. Please see the voting report.
We would like to thank you for your support and responsiveness in our concept of letting investors speak up on business decisions.
Best regards,
CROWDESTOR
_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin (1706-1790) Estadista y científico estadounidense
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