Foro inversores crowdlending
Hola,

si has llegado hasta aquí y si te interesa este mundillo como una alternativa de inversion, te confirmo que no te harás rico, pero con sentido común y diversificación se puede lograr una rentabilidad apreciable.

El riesgo en estas plataformas es muy diverso, pero tienes 3 grandes grupos de plataformas, a las cuales nos referimos familiarmente como LETONAS:

1-Inversiones aseguradas con hipotecas, rentabilidad entre un 10% a 15%, si no pagan se vende el bien y se recupera la inversion.

EStateguru, Bulkestate y Crowdestate,etc son las mas destacadas

2- Inversiones B2B, prestamos a empresas y que puedes tener rentabilidades superiores al 15% fácilmente, lógicamente son las mas arriesgadas , pero puedes obtener mas beneficios y ademas suelen tener garantías colaterales que minimizan el riesgo.

Crowdestor, Wisefund, etc son las mas destacadas.

3- Inversiones en prestamos personales, rentabilidad media entre el 10%-12%que lo importante es que tengan BuyBack y sobre todo que diversifiques mucho.

Mintos, Robocash, Viainvest, Peerberry, Debitum Network, etc.

Aprovechar también los referrals y cashback no te harán rico/a pero siempre suman un puntito mas de rentabilidad.

El foro esta operativo desde Oct-2016 y es pionero en el crowdfunding/crowdlending,

Te esperamos!!!!
Foro inversores crowdlending
¿Quieres reaccionar a este mensaje? Regístrate en el foro con unos pocos clics o inicia sesión para continuar.
Foro inversores crowdlending

Foro español pionero e independiente desde Octubre 2016.
 
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mas informacion en:
18-10-2016 ** 18-10-2020
4º Año compartiendo experiencias.
Gracias!!!!!.

 

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MensajeTema: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Mar 20, 2020 5:13 pm

Creo que poco mas puedo yo añadir, 

PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID Crowdestor-logo-dark
Dear investors,
We would kindly like to address the current situation in the world with the recent global challenges, how this reflects to economy in general, CROWDESTOR investors and borrowers.  Therefore, we turn to you with the following statement.
Regarding global economic downturn caused by the outbreak of the novel coronavirus COVID-19. Starting from 31 December 2019 when the first case of infection with COVID-19 was reported to the World Health Organization by China, the world has experienced a very sudden, unprecedent and unexpected economic and public health crisis.
Almost every country in the world and every business sector has been affected. The travel, relocation and gathering bans imposed has almost completely stopped airline, hospitality, restaurant, educational, cultural and entertainment sectors, real estate, car manufacturers, production worldwide and the transportation industry; these are all those that with every passing day experience a complete market disruption. Consequently, these industries and companies now face serious threat to their existence. Many countries have declared a state of emergency.
Due to these reasons it is certain that current circumstances can be qualified as exceptional, border-lining force majeure events.
National governments and European Commission understand the severity of the situation and, under threat of mass layoffs, are considering measures to alleviate the situation. Governments are planning to introduce recovery packages. Financial institutions are encouraged by governments and regulators to review existing payment deadlines and allow borrowers to have a time to recover once the outbreak is over.
We live in a fundamentally connected world, we all get to experience some direct or indirect affect sooner or later and our industry is no exception to that. Even though we are inclined to recognize this situation as force majeure, we want to assure you, we keep CROWDESTOR investors best interests at heart, maintaining a reasonable and humane attitude towards economy and society and therefore, we want to act in a responsible and proactive manner addressing this situation.
At CROWDESTOR we recognize the extensive trust and loyalty we have received from our investors and borrowers throughout all this time, which is precisely why we want to be fully transparent with you now, not to promise scenarios which cannot be delivered, leave you in the dark or lose your confidence in our platform.
As you might have noticed, there are borrowers currently experiencing significant difficulties. There are restaurants closed, private educational companies without students, hotels are facing 99-100% cancellations and real estate deals are put on hold for an unknown period. We have strongly believed in our projects beforehand and we do not intend to stop doing it now; we believe it is just a timely setback.
We are completely certain that to default any of the business projects today is not an answer or in the best interests for anyone. Especially, in the current conditions where market is almost nonexistent, where it is almost impossible to sell the assets or entities for a reasonable price, or to be able to refinance them. We trust and have full confidence in our borrowers. Our borrowers fully respect their liabilities and they have no intention in not repaying their loans.
At CROWDESTOR we have evaluated to look at the bigger picture and we sincerely invite our investors to support us with this. Therefore, we have decided to set a ‘Recovery period’ on all ongoing investments for a period of 3 months.
We strongly believe defaulting projects today is not an option as it would result in big losses for all - investors, borrowers and CROWDESTOR, hereby giving 3 months to borrowers could make a significant difference - borrowers would have the time to adapt to new market conditions, to set proper recovery plans in place for repayments and to apply for State recovery aid if possible; which is in the interests of CROWDESTOR and investors.
Consequently, CROWDESTOR has decided on the following actions:

  1. To introduce a leniency period towards the borrowers till end of June 2020; during this time CROWDESTOR will defer any loan repayments and will not affect any liens or other securities that CROWDESTOR holds;
  2. In the best interests of investors, CROWDESTOR reserves rights to reconsider this decision and to effect liens it holds, this will be done in situations where CROWDESTOR will decide that the best course of action is in the best interests of investors is immediate action to enforce repayment of the debt;
  3. After Recovery period CROWDESTOR will use its rights in full amount in the context of loan repayments and recoveries.

Nonetheless, also during this time our platform will operate as usual, our business activities will proceed undisturbed and with no problem to preform them remotely when necessary. In case of any questions, our team will be reachable at timely manner and glad to respond.
We kindly like to remind you that CROWDESTOR is still one of the few platforms that offer you to invest in highly diverse projects from various industries, so you can build a portfolio that corresponds to your values and risk appetite.
Do not forget - markets recover, they just need time.
This is a time for smarter due diligence, diversification, trust and patience in the process for the longer term welfare, both in matters of financial standing, as well as, prosperous health.
 
Our mission at CROWDESTOR is to empower anyone who wants to invest their money in meaningful or financially sound future projects across various industries and geographical boundaries. 
 
Best regards
Janis Timma
CEO
CROWDESTOR

 

_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin  (1706-1790) Estadista y científico estadounidense

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Última edición por Admin el Mar Sep 22, 2020 11:06 pm, editado 1 vez
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Ragagu



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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Mar 20, 2020 6:08 pm

Debemos entender que, hasta el 30 de junio, no van a devolver el principal de los préstamos que cumplan.Vamos, no va a exigir el pago del principal...
Pero, de los intereses también? Es que mi inglés no es perfecto y el traductor pue puede no interpretar bien el escrito...

Entiendo que es algo dentro de lo esperado...Si estos meses es como si no existieran, pues no van a existir para nadie...En fin, de verdad, menudo inicio de año...

PEro es curioso como las plataformas de préstamos personales suben el interés....Espero que no sea una huida hacia adelante de éstas....Supongo que el mercado es distinto: buscan que sigamos en la rueda de ese tipo de préstamos a los que muchos van a acudir y, lo veo bien, que se mantenga la rueda. Como se pare la rueda, mal vamos todos!!!
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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Mar 20, 2020 6:19 pm

yo entiendo la carencia total, salvo quizás alguna excepción.

Lógicamente cada negocio tiene sus particularidades y cada empresa se enfrenta a la situación en base a su situación o estrategia.

Como bien dices , que me devuelvan el 2019 que el 2020 me ha salido rancio.

_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin  (1706-1790) Estadista y científico estadounidense

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Melqui

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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptySáb Mar 21, 2020 1:53 am

Totalmente de acuerdo con vosotros compañeros de fatigas... , yo tambien quiero que vuelva mi 2019 que este año ya se me agota la paciencia con tantas malas sorpresas. Crying or Very sad

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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyMiér Mar 25, 2020 2:21 pm

Bueno, aplican la Ley al parecer incluso en aquellos que posiblemente pudieran tambien cumplir con sus obligaciones,

Como minimo les voy a pedir que recalculen los plazos de pagos, en la web, por que si no al final sera un galimatias tremendo.

PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID Crowdestor-logo-dark
Dear investors,
Thank you all for your kind and understanding responses, as well as, for placing your concerns, questions and doubts. We have gathered and analysed all the information and would also like to come up with more explanations in order to give more clarification and avoid any misunderstandings.

1. Legal aspect
Starting from mid-March 2020, several EU countries declared a state of emergency and restricted the flow of people. This not only led to proclaim decisions for restricting the physical spread of the virus, but also initiated to provide immediate business support and mitigate its potential consequences.
On March 20, 2020 in Latvia a law has been implemented on The Management of State Threats and Their Consequences in Connection With The Spread of Covid-19 (hereinafter - Crisis law) which introduces temporary measures in several areas to mitigate the possible economic consequences of stabilizing the situation, which came into force from the day when emergency was declared in Latvia - 12.03.2020.
One of the ways in which the legislation seeks to protect businesses and individuals affected by the crisis is by preventing immediate debt recovery processes. The Crisis Law introduces a new order in debt recovery procedure and litigation.
The Crisis Law corresponds for insolvency proceedings prohibiting creditors from filing an application with the court for the insolvency of a debtor until September 1, 2020.
The Crisis Law also foresees new deadlines after which the right to engage in debt recovery takes effect. An application for enforcement of an obligation or the decision on the use of the commercial lien can only be filed after 60 more days are delayed. If contract allows to submit an application of enforcement of an obligation after 30 days are delayed, The Crisis Law prolongs this term to a total delay of 90 days.
Similar regulation in regards to business support and protection is being implemented in other EU countries.
As 80% of Loans are issued in Latvia, followed with loans in Germany, UK, Georgia, etc., we believe we have taken the best possible action forward to correspond with the actual situation in market.

2. CROWDESTOR recovery period
With trying to force payments on struggling businesses right now or defaulting any of the projects it would still be 30 day period waiting from the borrower-investor contract agreement plus the 60 day period enforced by the law, which translates Recovery period. Therefore, patience, continuous communication with Borrowers and trust in the way forward is honestly the best action plan right now. Recovery period applies to all our borrowers.
We respectably would like to address you again with the seriousness of the current state, as it escalates unpredictably and with every passing day we are doing our best to respond to the circumstances, but we all need to recognize that this situation is unprecedented and we cannot draw from past experienced crisis to the ongoing situation in the world right now.
With this in mind, we once again explain that we apply the Recovery period for all our borrowers, as from the moment Crisis act states - 12.03.2020. This means no interest or principal payments during this period will be enforced. Nonetheless, any delayed payments before this period will be enforced.

3. We will monitor the situation and inform you instantly
Some borrowers might be hit less and are in a more confident situation than others and some might be able to manage their payments as consistent, which potentially is true. However, as the situation is unclear right now, the same policy applies to all, until we have received information to state otherwise. We are in persistent communication with all our borrowers and we monitor every single project individually. In case they will be ready to proceed with payments or we will see them as eligible to pay, we will very straight forward invite them to do so. We ask you to keep your trust in our diligence in assessing the situation appropriately.

4. We act in best interest of investors, borrowers and CROWDESTOR
Answering to investors that initiate that we protect only borrowers or we are opening doors to other creditors, adapting the Recovery period, no, we do not protect borrowers nor open doors to others. We have limited legal instruments at the moment and so does other creditors have, but even if we had legal rights to default a project, a defaulting scenario today for many of borrowers will not benefit anyone, as current market conditions are nonexistent or extremely low at best.

5. CROWDESTOR will recover, so will our Investors
More importantly we would like to stress out that following the worldwide situation developing every day, it would be indecent and grossly misleading to tell you that business is running as usual, however with the measures that we are taking now at CROWDESTOR, we are confident in our business and our people to outlive this turbulence and come out even stronger.
This is the time we also utilize to further continue working on our growth and development plans as we have promised earlier in the year. We will follow with news in following one or two weeks.
We want to encourage you to think more of your health and wellbeing these days. Yes, there are some missing days on payment scheme but we will make sure it will turn around in the longer term.
P2B investments are still the most sustainable and meaningful investment opportunity on the market and states will support the businesses segment as it truly adds value to the society, so please do not miss out to be a part of that even in times like these.

Best regards
Janis Timma
CEO
CROWDESTOR

_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin  (1706-1790) Estadista y científico estadounidense

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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyMiér Mar 25, 2020 4:01 pm

Mientras no desaparezcan de repente, que hagan lo que estimen necesario....Yo este año, con cubrir las pérdidas de la desaparición de Kuetzal, Envestio y probablemente Monethera, pues me doy más que satisfecho...Que desapareciera también Crowdestor ya sería insostenible.
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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyMiér Mar 25, 2020 4:25 pm

Confirmar al menos que ayer retire 49  € de la cuenta de mi hijo y me acaban de entrar en el banco.

ya se que es poco importe , por que esperaba tener unos 400 mas con la devolución de un par de proyectos , pero esta como veis paralizado.

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Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyMiér Mar 25, 2020 6:19 pm

Como podéis ver en la plataforma , la mayoría de los planes de pago se han  actualizado .

Sin embargo hay un par de ellos que vencieron antes del día 12 de marzo ( fecha en vigor de la Ley) , como es el segundo pantallazo y que deberían haber pagado, ahí es donde entra la carencia de la plataforma a exigir a los prestamistas

"Nonetheless, any delayed payments before this period will be enforced."

PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID 1975


Acabo de revisar y al final solo me queda este pendiente cobro si hay alguno mas ya me lo direis


PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID 555252

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Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyMiér Mar 25, 2020 8:12 pm

Esto se supone que se va cumplir esa actualización, no? Para un mínimo de planificación por nuestra parte..
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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyMiér Mar 25, 2020 8:41 pm

@Ragagu escribió:
Esto se supone que se va cumplir esa actualización, no? Para un mínimo de planificación por nuestra parte..

exacto adema Estonia ha hecho un RDL sobre el tema.

_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin  (1706-1790) Estadista y científico estadounidense

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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyMiér Mar 25, 2020 9:29 pm

Bueno, si un hay una ley implementada que le de respaldo jurídico a todo, pues mejor.
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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Abr 03, 2020 10:32 am

Tenemos una especie de votación en CROWDESTOR para opinar sobre la posible línea de actuación de CROWDESTOR frente a los préstamos y el pago de intereses:


Dear all,

We have received a lot of supportive feedback from you and a lot of questions and concerns. In light of this, we have worked tirelessly to come up with a compromise that will more undoubtedly show we do keep our investor interests on top of the agenda.

Though, the initial strategy for a long term solution with the Recovery period was to halt all the principal and interest payments for this time period, after continuous discussions with our borrowers we have come to find a solution that would be a more win-win situation for our investors too..

With this, we now can initiate interest payments also for the recovery period, if indeed, that is the solution that the majority of the investors will choose as more favorable. Therefore, we have created a survey for you, to place your opinion, on which option you are most comfortable in proceeding with us considering the different models of interest calculation/payment you would prefer.

Please choose from one of the following options below by replying to this email (survey@crowdestor.com) with your respective choice (A, B, C, D or E) no later than 15.04.2020. We will not be using an external software solution, so the received answers can be legitimized with your official consent. Please, only indicate one option and respond from your email that is registered within our system, only these responses will be accepted as valid.

 

For CROWDESTOR to calculate the approximate interest rate with the borrowers for the Recovery period, please choose the time span you would wish to receive the interest payment:

A)   No interest paid out for the Recovery period; I support faster SME recovery

B)   1/3 from the initial Interest rate paid together with the Principal repayment at the end of the Loan term

C)   2/3 from the initial Interest rate paid 9 months after the Loan term

D)   Full Interest rate paid 18 months after the Loan term

E)   CROWDESTOR generates a differentiated model of interest repayment in each project taking into consideration the actual situation of Borrower 

 

The last option is placed to provide investors with another solution from the ones provided above, putting trust in CROWDESTOR to come up with a more detailed scheme for interest payments.
We will gather the survey data and announce the results until the 30..04.2020, so, please make sure to send in your response by the deadline.


No sé como interpretar esta iniciativa:
- Si no tenemos ni idea de los números de la Empresa, de como andan las empresas que han recibido préstamos...¿cómo vamos a saber que camino seguir? Podremos ahogar a la empresa que debe devolver algún día el dinero si elegimos mal. No sé hasta que punto es bueno hacer un "referendum". Ellos son los profesionales.


-Por otro lado, me da confianza que adopten esta postura. Por lo menos están ahí, les importa nuestra opinión, nuestra tranquilidad. En rigor, no tendrían que hacer nada de eso. Desaparecer el día  menos pensado y listo...no seríala primera. Tampoco tienen que hacer ningún paripé...Así que si hacen esto, por lo menos interés tienen. Quizá no quieran tomar ellos solos la decisión, no quieran equivocarse...Como excusa de que fue lo que elegimos no creo que les fuera muy  útil...


En fin, que en estas estamos. No sé qué opináis de las distintas opciones que plantean.
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drarenas

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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Abr 03, 2020 11:13 am

Yo creo que al menos tienen bunas intenciones. Confio en sus gestiones y votaré D

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Melqui

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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Abr 03, 2020 11:21 am

Pues yo votaré E.

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                  king Que nos aporta realmente la riqueza ?  =  " Libertad de decision " king


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peterk2



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PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID Empty
MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Abr 03, 2020 11:27 am

También he votado E
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Ragagu



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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Abr 03, 2020 12:20 pm

Supongo es lo syo. Plan diferenciado para cada oportunidad. Un buen acuerdo antes que un mal juicio. Se sienten uno a uno y a ver cada oportunidad a donde puede llegar.

Y que no olviden que la viabilidad del crowdlending europeo está en juego. My dañada está ya la confianza, pilar básico de este negocio. A la más mínima se va al garete. ASí que hay que hilar fino para no seguir alimentando a la fiera...
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drarenas

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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Abr 03, 2020 12:30 pm

Joder queria votar E y he votado D jajajaja

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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Abr 03, 2020 4:43 pm

Pues yo estoy entre la B y la D,

me gusta la B, por que define un objetivo claro , en la D cualquier cosa  puede pasar

Edito, que quería decir la E

_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin  (1706-1790) Estadista y científico estadounidense

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Última edición por Admin el Vie Abr 03, 2020 6:15 pm, editado 1 vez
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Ragagu



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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Abr 03, 2020 5:56 pm

Es que 18 meses después pagar intereses....(D). Entiendo que el principal se paga al terminar el préstamo, no?

A ver, en cuanto pase esto va a haber una inyección de liquidez, de préstamos, de créditos...Se va a poder acceder a préstamos baratos con los que amortizar deuda de mayor coste...Quiero pensar que algo de esta inyección nos acabe repercutiendo y, bueno, se tienda a devolver los préstamos; siempre, claro que esta, que no seamos nosotros los de los préstamos baratos, los que avalen el dinero al 0%...

Yo buscaba la B ó la E. Me explico:
La D consiste en recuperar el principal y 1/3 de los intereses...1/3 de 15-20% sigue siendo un gran negocio aunque se cobren al final de la vida útil del préstamo.Pillas el principal y una rentabilidad aún mejor que n cualquier otro producto más o menos decente...

La E permite que CROWDESTOR, en base a la situación particular de cada Empresa, pueda adaptar el plan. Alguno podrá ser mejor que el B, otros peor...Pero, como he dicho en otro post, la inyección de liquidez que se va a necesitar puede alterar los planes de algunos y encontrarse con unas ayudas que ahora ni se las imagina (al igual que otros que piensan que las van a tener y luego no tener ná de ná).

De todas formas, lo importante es que CROWDESTOR Demuestre fortaleza empresarial y que los inversores recuperemos nuestro principal en un ratio similar al que todos esperábamos al entrar en este mundo de la financiación a ideas de negocio. Si mantienen el negocio, un año malo lo podrás compensar con el paso del tiempo y con una confianza redoblada en la plataforma. Quien supere esta crisis no creo que pueda sembrar dudas en mucho tiempo.
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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyVie Abr 03, 2020 6:14 pm

perdon rectifico, era la E la que queria poner  Very Happy

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Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyLun Mayo 04, 2020 6:41 pm

Que cosa mas tonta y que alegria me ha dado ver que han pagado en la cuenta de mi hijo, 3 € de dividendo y que cobrare otros tres en breve 

12

PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID 1993

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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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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyJue Jun 11, 2020 8:59 pm

un par de correos , sobre cosas que todo el mundo conoce, pero que a veces no nos paramos a pensar


Year 2020 is the first year in history when US oil prices crashed into negative territory as the evaporation of demand caused by the coronavirus pandemic left the world awash with oil and not enough storage capacity. In simple words - producers where paying buyers to take their product. WTI price was traded as low as -37 USD a barrel on 20th April, the day of chaos in oil markets.
Not all oil contracts were trading in negative territory. Brent, which is the oil market based around the North Sea of Northwest Europe, lost only 8.9 percent on the same day and felt to 25 USD a barrel as it is a market less afflicted by storage issues.

As there is a correlation between oil and natural gas prices, also natural gas prices in TTF and GASPOOL markets experienced new record low prices.
Energy companies with operations in Riga, Latvia, have a direct impact when natural gas prices in markets fluctuate as the maximum heat price, which is approved by government institution Public Utility Commission, is directly linked to the price of natural gas. As a result, the maximum heat price for thermal energy produced/sold in Riga, has fallen from 29.10 EUR/MWh in December 2019 to 21.66 EUR/MWh in June 2020, and due to low heat demand in summer, cogeneration plants which receive subsidies or use natural gas as fuel, are offering heat at a price lower than 16.99 EUR/MWh.
As a result, the Borrowers biomass boilerhouse operating in Riga currently is turned and not generating income. Today, with wood chips prices of 13.00 EUR/MWh and production costs of 5.10 EUW/MWh, it has to sell heat for a price of 18.10+ EUR/MWh to reach break-even.

Natural gas futures starting from September 2020 show significant increase in natural gas prices. September is also the moment when heat demand in Riga increases. So it is expected to start operations: (1) starting from September 2020; or (2) before September if wood chips prices will be available in market for a price ~12 EUR/MWh.
Projects which are in development stage are not facing such financial difficulties, these projects are facing some delays during development phase as some institutions are issuing technical rules in a longer period, construction authority has been working in emergency regime etc.
Overall, we consider current circumstances as problematic in a very short term and we believe in the end of 2020/beginning of 2021 business will be as usual.
We would like to inform you that energy industry companies will pay back the interests for the Recovery Period in full amount together with the next scheduled payment. Payment schedules will be updated within a week.
Best regards 
CROWDESTOR
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The COVID-19 outbreak is having a major impact on transport and connectivity in the EU as borders have been closed, factories have been closed etc. According to a “Guidelines on the progressive restoration of transport services and connectivity” announced by the European Commission, there has been a significant reduction in the freight flows due to declining economic activity and disruption of supply chains. Global Business Data platform Statista is informing that mobility restrictions could reduce global freight transport by up to 36% by the end of 2020.
Oil prices have fallen rapidly over the past few months which has reduced costs for transportation companies, however, the amount of freights available and payments for the services provided have decreased significantly more and the majority of companies are facing a decrease in turnover and profitability,  with rare exceptions in specialized segments like home deliveries.
Trends suggest that the industry's revenue figures will be improving in the second half of the year.
In this regard, we would like to inform you that borrowers who are related to the transport industry will be obliged to pay back the interests for the Recovery Period in full amount at the end of Loan period. Payment schedules will be updated within a week.

 
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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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyJue Jun 11, 2020 9:12 pm

No hay dos sin tres


As a result of Covid-19, fur processing industry has been set on a pause. Due to slowdown of economies, travel restrictions, and priorities of the end consumers, the international fur auctions carried out by leading fur auction houses, have been postponed starting from March and currently a new online auction principle is being implemented which is performing with up to 20 times lower sales results comparing to face-to-face auctions.
This creates a dramatic negative impact on producers who has not sufficient financial reserves and has no other access to funding except funds received from the auction houses. Industry experts predict bankruptcies in industry and shortage of supply in the following years which could result in 
higher prices for those companies who survive this crisis.

Many countries are implementing state aid for farmers at the moment.
For the Fur Processing Company it is crucially important to survive H2 of 2020 when there will be no significant income from the sales of our products. As the factory is one of the most modern in the region with one of the lowest production costs, it has competitive advantage over other industry players.
In this regard, we would like to inform you that interests for the Recovery Period in the full amount will be paid at the end of Loan period. Payment schedules will be updated within a week.

 
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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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyMar Sep 22, 2020 11:05 pm

Dear investor
We are writing regarding the Cambodia Tourism Projects, that you have invested in.
Cambodia Projects:

  1. Sweet Dreams Samloem Resort CRP-2115;
  2. Bounty Boutique Resort CRP-2344;
  3. Luxury Yacht Rental CRP-1837.

In 2019 CROWDESTOR launched crowdfunding campaigns for three tourism industry projects in South East Asia, Cambodia. The tourism industry in Cambodia has been growing on average 10% per year, for the past decade. The tourism industry during the last decade with every following year proved itself as a more and more lucrative investment sector.
As we explained before, Asia was the first region to be seriously affected by COVID-19 and was therefore one of the first to experience travel limitations and the consequences in the tourism industry. The lockdowns coincided with the first months of the year which is also the high season for tourism in the Southeast Asian region. As a result, since the beginning of this year, hotels experienced a significant drop in the number of clients served, the following months from March the majority of resorts experienced 100% cancelations and were closed.  The World Tourism Organization UNWTO has reported the losses of international tourism five times higher than in 2009 and a 93% decline in June 2020 comparing to the same period in 2019.
The situation hasn’t improved since June. Cambodia is very limited for tourists due to the high deposits each traveler has to pay to the government. Industry participants have the opinion that the situation might improve only by the end of the year 2021 when the next high season will begin. Our funded project is no exception. Resorts are fully closed since March and it is not possible to generate income. To maintain the assets and eliminate decay, salaries, materials, land lease is being covered.
Repayments for the above-mentioned projects have stopped and are not possible due to the disastrous effects of COVID-19.  This is a Force Major event, which the society has not experienced in modern times, so it took us some time to prepare a plan of action. CROWDESTOR is always on the side of the investors that is why we are looking for the best solution.
We see two scenarios on how to proceed and are inviting investors to take part in decision making:
Each investor who has invested in any of the projects will receive an invitation to vote for either Scenario 1, or Scenario 2. The voting will start next week and will be open until 15th October. We will inform you about this via a separate email. 1 EUR invested will equal to 1 vote.
Scenario 1: Project is being defaulted, CROWDESTOR takes over the assets and sell them at the highest possible current price, which is significantly below a fair market price in the “pre-COVID” period. Funds are distributed to investors.
Scenario 2: Extend the loan for a minimum of 12 months up to 18 months, with-out any payments, wait until the tourism industry revives after COVID-19, to sell the assets for a market price.
In case investors will face some losses in Scenario 1 or Scenario 2, part of these losses will be compensated by our Provision fund.
Regardless of the decision taken by our investors, CROWDESTOR will have an active role in reducing potential losses. Currently, it is possible to invest in tourism property with discounts of up to 75%, which is a price seriously under construction costs, as many resorts have to choose to loose assets completely or to receive 20-25% from the pre-COVID value. So we have decided the following – to launch a new project to acquire one or more assets in Cambodia at the lowest possible price, targeting the previously mentioned 75% discount, as we strongly believe in the growth opportunities when the tourism industry will revive.  The future gains from this project will be used to compensate for the loss to all investors if such will occur choosing Scenario 1 or 2. 
Crowdfunding has originated from the word “crowd”, so we are letting the “crowd” decide on the next actions. In a few days, you will receive a link and instructions to the voting procedure.
Thank you for your understanding and patience.
CROWDESTOR Team

_________________
Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
» Benjamin Franklin  (1706-1790) Estadista y científico estadounidense

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JoseRMora



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MensajeTema: Re: PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID   PERIODO CARENCIA 3 MESES **IMPORTANTE** + tema CODVID EmptyMiér Sep 23, 2020 2:33 pm

Pues tengo grandes dudas con que decisión tomar..., es cierto que siempre he pensado en que mis inversiones son a largo plazo, y la idea de esperar un año, para mi no es un problema, además en este caso tengo la suerte de haber visitado el pais, y es cierto que lo que le faltaba es tiempo para desarrolar industria turistica, por que en si tiene mucho que ofrecer pero no está bien explotado, vosotros que opinais sobre estas alternativas?, muchas gracias!
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