MERCADO SECUNDARIO EN CROWDESTOR

por **Admin** el Vie Nov 27, 2020 5:47 pm

Dear investor,

CROWDESTOR has launched the Secondary Market (SM) in October 2020. Since then, we have actively communicated with investors, who suggested improvements and provided valuable feedback.

We have always highlighted that the investors’ opinion is essential to our decision-making. We are willing to apply changes that will enhance the investors’ experience. Today, 27th of November 2020, 14:00 CET, the new version of Secondary Market will be released, which includes several important updates:

New, improved design

The design of the Secondary Market webpage has changed to a more elegant, user-friendly look. Moreover, we have added some new columns, such as YTM (Yield-to-Maturity). YTM is showing the return the buyer on SM will receive considering the term left to maturity. Additionally, it is possible now to sort the deals from acceding to descending and vice versa on all columns.
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[*]A new model of fee calculation on Secondary Market
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The SM commission is vital for the CROWDESTOR business model. We charge borrowers for raising funds on the Primary Market. The Secondary Market is attractive for investors since there is a possibility to invest in a loan with a discount. Therefore, transaction volume reduces in the Primary Market. We have introduced a new fee calculation model on the secondary market to balance the activity on both markets and earnings from both markets.

As of today, the commission will be split between sellers and buyers. The sellers’ commission will be lowered from 2.5% to 2% (calculated and deducted from the loan deal price). The buyers’ commission will depend on the discount of the loan deal. The discount is the ratio of the outstanding principal to the asking price. If the price is lower than the outstanding principal, the following commission structure will apply:
If the discount is less or equal to 10%, the fee will not apply to the buyer.
If the discount is more than 10% (for example, X), then the fee will be 10% of the difference between X and 10%, but not higher than 5%.

Example 1: The discount is 15%. The buyer’s fee= 10% from (15%-10%) =0.5%
Example 2: The discount is 30%. The buyer’s fee= 10% from (30%-10%) = 2%
Example 3: The discount is 70%. The buyer’s fee= 5% as it is the maximum that we charge.

Please note, all fees are automatically calculated and deducted. The buyers on the Secondary Market will see the purchase price already considering all fees.
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[*]Calculator for Sellers on SM
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When the investors press the “sell” button on one of the investments in their portfolio, the calculator will appear, showing all the fees and discounts, depending on the asking price before placing an order to sell on the secondary market. The calculator will also show what price the buyer will have to pay (taking into account the commission).
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[*]Updates on deals listed on the SM
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Now anyone can view the project status and all available updates for the deals listed on the SM. The updates are visible even to those investors who do not own the project. These make the investing experience on the SM more transparent and helps to make a well-informed investment decision.

Best regards,
CROWDESTOR Team

Estimado inversionista,

CROWDESTOR lanzó el mercado secundario (SM) en octubre de 2020. Desde entonces, nos hemos comunicado activamente con los inversores, quienes sugirieron mejoras y brindaron comentarios valiosos.

Siempre hemos destacado que la opinión de los inversores es fundamental para nuestra toma de decisiones. Estamos dispuestos a aplicar cambios que mejoren la experiencia de los inversores. Hoy, 27 de noviembre de 2020, 14:00 CET, se lanzará la nueva versión de Secondary Market, que incluye varias actualizaciones importantes:
1. Diseño nuevo y mejorado
El diseño de la página web del mercado secundario ha cambiado a un aspecto más elegante y fácil de usar. Además, hemos agregado algunas columnas nuevas, como YTM (Rendimiento al vencimiento). YTM muestra la devolución que recibirá el comprador de SM considerando el plazo restante hasta el vencimiento. Además, ahora es posible ordenar las ofertas de acceso a descendente y viceversa en todas las columnas.
2. Un nuevo modelo de cálculo de tarifas en el mercado secundario
La comisión SM es vital para el modelo de negocio de CROWDESTOR. Cobramos a los prestatarios por recaudar fondos en el mercado primario. El Mercado Secundario es atractivo para los inversores ya que existe la posibilidad de invertir en un préstamo con descuento. Por tanto, el volumen de transacciones se reduce en el Mercado Primario. Hemos introducido un nuevo modelo de cálculo de comisiones en el mercado secundario para equilibrar la actividad en ambos mercados y las ganancias de ambos mercados.

A partir de hoy, la comisión se dividirá entre vendedores y compradores. La comisión de los vendedores se reducirá del 2,5% al 2% (calculada y deducida del precio del préstamo). La comisión de los compradores dependerá del descuento del préstamo. El descuento es la relación entre el principal pendiente y el precio de venta. Si el precio es menor que el principal pendiente, se aplicará la siguiente estructura de comisiones:
Si el descuento es menor o igual al 10%, la tarifa no se aplicará al comprador.
Si el descuento es superior al 10% (por ejemplo, X), la tarifa será del 10% de la diferencia entre X y 10%, pero no superior al 5%.
• Ejemplo 1: El descuento es del 15%. La tarifa del comprador = 10% de (15% -10%) = 0.5%
• Ejemplo 2: El descuento es del 30%. La tarifa del comprador = 10% de (30% -10%) = 2%
• Ejemplo 3: El descuento es del 70%. Tarifa del comprador = 5% ya que es el máximo que cobramos.
Tenga en cuenta que todas las tarifas se calculan y deducen automáticamente. Los compradores en el mercado secundario verán el precio de compra considerando todas las tarifas.
3. Calculadora para vendedores en SM
Cuando los inversores presionan el botón “vender” en una de las inversiones en su cartera, aparecerá la calculadora, mostrando todas las tarifas y descuentos, dependiendo del precio de venta antes de realizar una orden de venta en el mercado secundario. La calculadora también mostrará el precio que tendrá que pagar el comprador (teniendo en cuenta la comisión).
4. Actualizaciones sobre las ofertas que figuran en el SM
Ahora cualquiera puede ver el estado del proyecto y todas las actualizaciones disponibles para las ofertas enumeradas en el SM. Las actualizaciones son visibles incluso para aquellos inversores que no son propietarios del proyecto. Esto hace que la experiencia de inversión en el SM sea más transparente y ayuda a tomar una decisión de inversión bien informada.

Atentamente,

Equipo CROWDESTOR

por **Admin** el Lun Ene 04, 2021 6:03 pm

Actualización

Dear Investor,

Happy New Year!

The first email CROWDESTOR sending you this year is regarding the commission changes on the Secondary Market (SM).
Today, the maximum commission paid by Buyers for investing in deals on the Secondary Market is lowered from 5% to 2%.

The CROWDESTOR launched the SM in October 2020 and has actively monitored the SM's activity during the past months. We have concluded that the previous maximum commission cap should be reduced.

Below is the summary of the current and effective commission structure as of the 4^th of January 2021.

Sellers' Commission: flat fee of 2% (calculated and deducted from the loan deal price).

Buyers' Commission: depend on the discount of the loan deal. The discount is the ratio of the outstanding principal to the asking price. If the price is lower than the outstanding principal, the following commission structure will apply:

If the discount is less or equal to 10%, the fee will not apply to the buyer.
If the discount is more than 10% (for example, X), then the fee will be 10% of the difference between X and 10%, but not higher than 2%.

Example 1: The discount is 15%. The buyer’s fee= 10% from (15%-10%) =0.5%
Example 2: The discount is 30%. The buyer’s fee= 10% from (30%-10%) = 2%
Example 3: The discount is 50%. The buyer's fee= 2% as it is the maximum that we charge.
Please note, all fees are automatically calculated and deducted. The buyers on the Secondary Market will see the purchase price already considering all fees.

CROWDESTOR Team

MERCADO SECUNDARIO EN CROWDESTOR

MERCADO SECUNDARIO EN CROWDESTOR

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