Crowdlending internacional MINTOS

Recuerdo del primer mensaje :

Irodriguez escribió:Admin, una dudilla. Cuando una empresa.acude al.crowdlending, ¿ es porque no tiene acceso a financiacion bancaria?

enlace Mintos



Buenos dias, 

de ninguna forma, sin duda que habrá casos pero esas serán las que tengan una calificación mas baja y por eso se le pide un pago mayor de intereses.

Los motivos que yo veo mas frecuentes, es por que es mas sencillo que ir al banco (exigen gestion de todos sus pagos y cobros etc)o por que son empresas que ya teniendo un crédito bancario y al no serles incrementado necesitan financiarse durante los procesos de flujo de caja( hay empresas que concentran sus ventas en ciertos periodos) o precisan financiación para nuevas inversiones.

Sale mas barato para la empresa que acudir a Gedesco o similares o al descuento del confirming leonino que ofrecen otras compañías y bancos. 

Yo aparte de los estados financieros y el volumen de ventas, hay un dato que siempre me ayuda a decidirme y es la antigüedad de la empresa, menor de 5 años es un plus de peligrosidad, y si la empresa tiene entre 10-15 años de antigüedad me asegura que es una empresa estable tiene continuidad.

Lógicamente, tiene un riesgo asociado de ahí que solo recomiendo mucha diversificación, por ejemplo si juegas con 1.000€ haces un par de aportaciones de 100€ para  empresas con calificacion A ( por debajo de 5% ) y resto aportaciones de 50€ en diversas empresas.

Mirate MYTRIPLEA , pues incluso tiene riesgo asegurado , sacaras un modesto 2.% pero la seguridad de cobro estara en un 98%.

hola Glin , bienvenido.

El calculo que realizas es correcto, seguramente las diferencias las tienes por que los plazos de tus prestamos no serán siempre 30 días, es posibles que tengas algunos a 15 dias , etc... y el efecto redondeo también afecta.

Leete el post del efecto redondeo que explica algunas cosas y si te quedan mas dudas las posteas.

Un saludo.

Hola,

Miré el post del redondeo, no creo que sea lo del redondeo tienen que calcularlo de otra forma, o yo lo estoy haciendo mal por ignorancia - caso más probable

Caso Particular:

Loan 1232443-01 - Car Loan

Mi participación son 10€, eso es 0,259740% del total del préstamo
Si miráis las tablas de pago para el mes que viene paga de intereses 42,52€.

Según lo hablado de esos intereses me corresponderían:

42,52 * 0,00259740 = 0,11€ (redondeado)

Sin embargo en "My Investments" figura que el "Estimated Next Payment" será de 0,25€

Vamos que no puede ser un error de redondedo, me tienen que faltar variables que no estoy teniendo en cuenta, o directamente no se calcula así.

He hecho los mismos cálculos con otros 2 y lo mismo, ni me acerco.

Aprovecho el post para publicar una respuesta desde soporte de Mintos.

"Desgraciadamente" este préstamo tiene el primer pago que me vencía, pero al parecer el prestatario  no ha pagado aún y en muy probable que entre en estado "late" - empezamos a lo grande

Pregunté a Mintos cuales eran los tiempo que tardaba en actualizarse la información de pagos/impagos y esta fué su respuesta:

The money wasn't actually paid. Each loan originator determines the technical number of late payment days for loans that are not marked as delayed. This is determined by bank-to-bank payments, bank or national holidays, and/or specifics policies of loan originators. For Debifo loans, this period is 15 days, Capitalia loans - 8, Mogo - 5, others - 4 days. So the date jumped to the next scheduled date and if the borrower won't pay during the next 3 days, the loan will be marked as "Late". As soon as the payment is really received, it will appear under "Received Payments".

Gracias por vuestra rápida respuesta

Un saludo.

Hola Glin

no encuentro el préstamo, supongo que ya estara 100% financiado.

Entiendo que al ser un car loan, estará a mas de 1 año, y por lo que hemos visto el calculo de los intereses en periodos superiores al año , no se calcula como habitualmente conocemos.

Están calculando diferentes quotas y los intereses de los primeros meses siempre son superiores a los últimos.

Es una forma de "asegurarse" que el principal sigue pendiente, asi en caso de impago, y provision de fallidos, te aseguras menos perdidas contables, y por lo tanto menos impuestos a pagar.

Si contamos en un prestamo, la diferencia es nimia pero si lo multiplicas por miles... es un buen pico....



Date Principal Interest Total Payment Received Payment Date Status
30.08.2017 € 36.38 € 18.65 € 55.02 Scheduled
30.09.2017 € 38.25 € 17.09 € 55.34 Scheduled
30.10.2017 € 39.56 € 16.11 € 55.67 Scheduled
30.11.2017 € 39.80 € 16.19 € 55.99 Scheduled

nuevo correo de www.mintos.com, anuncian entre otras cosas que ya tiene 30.000 inversores, lo cual es una autentica pasada en mi opinion.



July has been another great month on the Mintos marketplace. We are thrilled to have reached yet another significant milestone, crossing the 30 000 registered investors mark. We are glad there are so many of you enjoying the many benefits of investing through Mintos, and we are sending 30 000 sincere ‘thank yous’ your way!

Here are other highlights from July.

New features added to Auto Invest
We have continued to improve Auto Invest. You can now select loans for investment by setting specific criteria for each loan originator, including the country of issued loans, availability of the buyback guarantee, loan type, loan status, and issue and listing date.

Read more



Our CEO's interview with Welltrado
Mārtiņš Šulte, CEO and Co-founder of Mintos, shares his views about developments in the peer-to-peer lending industry, and reveals exciting news about developments coming soon to the Mintos marketplace in his most recent interview with Welltrado.

Read more



Eurocent continues servicing loans
After missing repayment of its corporate bonds on June 8, 2017, Eurocent has continued servicing its loans and passing on all borrower payments to investors on the Mintos marketplace.

Bueno y otro mas que tenia pendiente de comentar desde hace unos dias.

Poco a poco los paises donde estamos invirtiendo, estan legislando para controlar este negocio.

En este caso Georgia, ha regulado de forma que el inversor no acceda directamente al solicitante del prestamos , sino que tiene que ser una subsidiaria de Mintos , que opera en este pais la que "vende " sus prestamos al inversor.

Como siempre hay cosas positivas y negativas, el riesgo de siempre que no pague un gran grupo de solicitantes de prestamos , la reclamacion seria a traves de esta subsidiaria, que a su vez seria un problema que entrara en quiebra, ya que no se si las leyes de Georgia obligan a la empresa matriz de hacerse cargo de la deuda.

De todas formas, invertir siempre en garantizados.






Starting from August 3, 2017, there will be a new structure for investing in Lendo loans on the Mintos marketplace. The new structure stems from new regulations imposed by the local supervisory authorities in Georgia, where Lendo operates.

How will the new process work?
To obtain exposure to Lendo loans, investors will be able to invest in loans issued by Mintos OU to Lendo, where repayments depend on the final borrower’s payments. Each loan issued by Mintos OU to Lendo will be pegged to a respective loan issued by Lendo to the final borrower.

Mintos OU is a Mintos group company. A detailed description of the new structure is available in the Mintos OU loan contract and assignment agreement.

How will the new structure affect investors?
Investors making investments according to the new structure will still gain exposure to Lendo-issued loans. Previously, investors had a direct claim against the final borrower; now, investors will have a claim against the loan originator - Lendo.

Because investments made will still be pegged to the loan performance of loans issued by Lendo, current Auto Invest functions for investing in Lendo loans will remain valid for loans placed on the Mintos marketplace under the new structure. If the change in investment structure affects your investment preferences, please be sure to adjust your Auto Invest settings accordingly.
About Lendo
Lendo joined the Mintos marketplace in July 2016, and has since become one of the top loan originators on the marketplace. The company offers investments in short-term unsecured loans issued in the largest cities in Georgia. So far, Lendo loans worth more than EUR 80 million have been funded through the marketplace.

Please feel free to contact us if you have any questions. We will be more than happy to assist you!




Kind regards,
Your Mintos team

Hola, estaba viendo la posibilidad de invertir en GEL, pero veo que ahora la comision de cambio de EUR->GEL es del 2% y la vuelta al 2,1%...asi no hay forma no? o sigue siendo rentable en determinadas circustancias? Creo qu aunque estén algunos al 17% como minimo debe ser a 6 meses para sacar un 4% limpio....
Gracias!

Yo hice el cálculo hace meses son alrededor de 100 dias

Por lo tanto si la intención es la nbertir a medio largo plazo vale la pena siempre que el cambio se mantenga más o menos constante

En el hilo del post veras un par de páginas con el cambio que te será muy util

Han entrado miles de loans nuevos de GetBuck al 11%..eso si..de BOTSWANA...Primer loan africano..miedito da. Con precausion....

pues yo lo que veo es que no pillo nada por encima de 10%, en el mes de agosto casi todo esta al 9% invertido.

apenas hay prestamos a corto que den el 10%

Han salido en las ultimas 24 horas , 390 nuevos loan entre el 9,5% y 12,1%, todas con BB de los originator Lendo, MoneyMetro, Mogo, Mozipo Group
Creamfinance, Capital Service y Banknote.
Asi que variadito para diversificar.
Suerte!

Otro productor de prestamos,

Al final si siguen bajando los % de los prestamos en EUR, habrá que considerar jugársela a los GEL y CZK.













Creditstar Group is strengthening its presence on the Mintos marketplace by offering short-term and personal loans granted in the Czech Republic. Loans will be listed both in euro (EUR) and Czech koruna (CZK).

Creditstar is one of the leading non-bank lenders in Europe, offering unsecured consumer loans in eight countries. The Czech Republic is the third Creditstar country, alongside Poland and Spain, that will have loans on the Mintos marketplace. To date, Creditstar loans worth more than EUR 8.4 million have already been financed through the Mintos marketplace.

Czech Republic-issued Creditstar loans on the Mintos marketplace will range from CZK
1 000 to CZK 19 000, with a repayment period of up to three months. The average net annual return to investors will reach 12%.

Creditstar will offer a buyback guarantee for loans that are delinquent for more than 60 days. The obligations of Creditstar Czech will be guaranteed by Creditstar Group. To retain its skin in the game, Creditstar will keep at least 5% of each loan on the Mintos marketplace on its balance sheet.

The company puts a strong emphasis on responsible lending policies and individual customer service. The typical Creditstar client is an active, young male, 26-35 years old, living in a small town. Creditstar has a strict credit policy - only around 30% of applications are accepted. Debt collection companies are involved in the recovery of non-performing loans.

The company is headquartered in Estonia, where Creditstar is a market leader with a 40% market share. Creditstar has established subsidiaries and provides services in Estonia, Lithuania, Poland, the Czech Republic, Finland, Sweden, Spain, and the United Kingdom. The total number of active customers throughout the Creditstar Group currently exceeds 272 000.

The aggregate loan portfolio of Creditstar Group was EUR 52 million as of June 2017. The company has EUR 13.1 million in equity and EUR 58.8 million in assets. Creditstar has been profitable each year since its founding in 2006. Last year, it generated EUR 1.6 million in net profits.

At the beginning of the year, Creditstar Group was also selected as one of 10 Ruban d'Honneur recipients for the ELITE Award for Growth Strategy of the Year in the 2016/17 European Business Awards. Creditstar was one of only 110 finalists announced; over
33 000 businesses participated in the competition. The panel of independent judges praised Creditstar for its strong growth and core values of innovation, ethics, and success.

Use this opportunity to invest in Creditstar loans!


Invest in Creditstar loans



Kind regards,
Your Mintos team

Admin escribió: Otro productor de prestamos,

Al final si siguen bajando los % de los prestamos en EUR, habrá que considerar jugársela a los GEL y CZK.

El problema son las comisiones en los cambio de divisa...deben ser muchos meses y a un buen interes, amén de que la moneda en esos meses no fluctue en contra...Pero ya llegará le momento ya. . Yo estoy probando el mercado secundario que, bien trabajado, se encuentran loans al 12% con BB a menos de 10 meses.
Suerte !

Bueno

hoy han enviado un mail resumen de los datos de agosto www.mintos.com

Yo estoy justo 1 punto por debajo de la rentabilidad que anuncia, con lo cual tampoco me puedo quejar.

Un punto por arriba.

Parece que con el fin del verano han vuelto los préstamos "expres" con más del 10%.

Y ahora...¿Bostwana?

www.mintos.com sigue creciendo e incorpora créditos , estos me gustan mas que están entre el 10% y 12%


The newest addition to the Mintos marketplace are personal loans issued in Bulgaria by Cash Credit, a leading Bulgarian fintech company operating in the retail and online lending space.

Cash Credit is part of Cash Credit Group, which operates in Bulgaria, South Africa, and the Philippines. The group employs a unique business model of partnering with mobile service providers; this gives Cash Credit Group an advantage when assessing borrowers’ credit worthiness, and allows them to issue loans quickly and conveniently. At the beginning of 2017, Cash Credit became the first company in the world to grant credit via Viber - a popular messaging, voice and video call mobile application.

“Joining Mintos will allow us to further utilize Cash Credit’s know-how in efficient and profitable lending, while providing competitive returns to investors on the Mintos marketplace. We chose Mintos because we share similar values and a vision for the future of the financial services sector,” says Anton Karagiozov, CEO of Cash Credit and member of the board of directors of Cash Credit Group.

The majority of Cash Credit borrowers in Bulgaria are private individuals seeking loans for general needs, repair and maintenance or utility payments. Operating online and in close to 70 retail offices, the company offers the fastest credit approval on the Bulgarian market - within less than six minutes.

The personal loans Cash Credit is set to offer investors on the Mintos marketplace will range from EUR 100 to EUR 1 000, with a repayment period of up to 18 months. The average net annual return to investors will range from 10 to 12%.

Cash Credit loans will be supplemented with a buyback guarantee covering loans delinquent for more than 60 days. Historically, the share of Cash Credit loans late by 60 days or more has been below 15%.

To retain its skin in the game, Cash Credit will keep at least 5% of each loan on the Mintos marketplace on its balance sheet.

“Bulgaria is a high-potential market. Investors on the Mintos marketplace have demonstrated solid demand to invest in loans issued in this geographic region. We are truly excited to start a cooperation with one of the top alternative finance providers in this country,” says Martins Sulte, CEO and co-founder of Mintos.

Since its establishment in 2011, Cash Credit in Bulgaria has disbursed more than 240 000 loans worth more than EUR 55 million.

Cash Credit in Bulgaria had 15 000 active customers and a net loan portfolio of EUR 3.6 million, as of July 2017. During the first seven months of 2017, the company has issued loans worth EUR 7.5 million.

At the end of 2016, Cash Credit in Bulgaria had EUR 4.5 million in equity, EUR 5.2 million in assets and produced a 19% return on assets.

Cash Credit has received recognition for its successful business development. In 2013, the company raised USD 25 million investment from the global advisory and investment firm Delta Partners Capital Limited.

If you are using Auto Invest to put together your portfolio and would like to invest in new loans issued by Cash Credit, be sure to add Cash Credit to your loan originators’ list. Auto Invest saves time and never misses an opportunity!


Invest in Cash Credit loans



Kind regards,
Your Mintos team

Acaban de aparecer prestamos de España, nunca los habia visto, es con el Loan IDFINANCE..¿Alguna experiencia con prestamos españoles? ¿Algun valiente?

drarenas escribió:Acaban de aparecer prestamos de España, nunca los habia visto, es con el Loan IDFINANCE..¿Alguna experiencia con prestamos españoles? ¿Algun valiente?

si
y no muy buena, alto indice de impagos

Admin escribió:

drarenas escribió:Acaban de aparecer prestamos de España, nunca los habia visto, es con el Loan IDFINANCE..¿Alguna experiencia con prestamos españoles? ¿Algun valiente?

si
y no muy buena, alto indice de impagos

Tomo nota.
Gracias!

Mail con las estadisticas de Sept. www.Mintos.com
sigue creciendo


September is a harvest month and has yielded many positive developments on the Mintos marketplace. Here is a summary for you.

New loan originator from Bulgaria
Cash Credit, a leading Bulgarian fintech company operating in the retail and online lending space, started offering investments in personal loans on the Mintos marketplace.

Read more



Mintos to sponsor LendIt Europe
We’re excited to be sponsoring and attending #LendItEurope in London October 9-10. Our CEO and co-founder Martins Sulte will be one of the speakers on the second day of the conference. Want to attend, too? Use the code 'MintosVIP' to save 15% on your tickets.

Reserve your seat



Platform improvements
In September, we began improving the My Investments section. We have already redesigned the filters to have the same look and logic as the filters used in the Primary and Secondary markets. Finished Investments are also now available for review in a separate sub-section. Soon other improvements will follow, including summary graphs for your current investments.


Mintos recognized as one of the best startups
There are three new awards on the Mintos awards’ shelf. In the annual Lavian Brand TOP awards ceremony, Mintos was praised as “the loudest” startup brand, named as a runner up in the best Latvian startup brand 2017 category, and also won the public choice award by the news portal DELFI. We are incredibly thrilled by these honors and thank all of our supporters.

Mintos marketplace by the numbers






Kind regards,
Your Mintos team

Os dejo aquí el resultado de un estudio que hice con los datos descargados de las estadísticas de Mintos, en los que analicé los tipos de prestamos independientemente del originador, para ver cuales son los mas o menos entran en delayed. El resultado es (de menos a mas
posibilidades de entrar en retraso o impago):

Corto Plazo
Vehiculos
Personales
Comerciales
Pignoracion
Hipoteca
Factoraje

Es decir, cuando tengo un par de prestamos parejos (mismo originador, plazo, interes..), me guio por esta lista para seleccionar el mas "seguro".

Espero que os sirva, pero como siempre, esto no es dogma de fe ni nada por el estilo. Solo lo comparto como curiosidad estadística.

Saludos y Suerte.

Hola

Os adjunto el ultimo mail recibido de https://www.mintos.com

A new feature has been added to Mintos. For the first time, you can now tailor your investments according to loan risk categories which are based on loan originators' unique internal scoring models. Risk categories link expected annual bad debt rate with the interest rate offered to investors on Mintos. This new feature gives you a high-level of transparency and will allow you to make more informed and precise decisions on your investments.

DEBIFO will be the first loan originator on Mintos for which investors will be able to select loans according to risk categories. DEBIFO is the leading non-bank invoice financing company in Lithuania. Since launching in 2015, the invoice financing facility has been used by more than 160 small and medium-sized businesses and 4 600 invoices with a value exceeding EUR 25.6 million have been financed.

The Lithuanian-based company has nine risk categories for their invoice financing loans for investors to choose from. DEBIFO credit ratings range from AA to CC, where AA represents the lowest risk and CC represents the highest.

When determining the risk for a particular loan, DEBIFO assesses both the borrower, who is the seller of goods or services, as well as the purchaser to whom the borrower issues an invoice. Risk classes are then determined by a combination of the borrower’s (indicated by the first letter) and the purchaser’s (indicated by the second letter) creditworthiness.

The credit rating is determined by numerous factors, including company's recent financial data, sales structure, shareholders’ connections, arrests and courts history, legal agreements and payment behaviour of the borrower. For the purchaser, the most recent credit bureau data is used in combination with financial indicators such as equity to asset ratio, quick ratio and profitability ratios.

Here is the list of the risk categories used by DEBIFO:

Risk Class Interest Rate on Mintos EABDR*
AA 8.0% - 10.0% 0.10%
BA 8.5% - 10.5% 0.28%
CA 9.0% - 11.0% 0.45%
AB 9.5% - 11.5% 0.73%
BB 10.0% - 12.0% 1.15%
CB 10.5% - 12.5% 1.83%
AC 11.5% - 13.5% 2.95%
BC 12.5% - 14.5% 6.08%
CC 13.5% - 15.5% 8.50%
*Expected Annual Bad Debt Rate

If you use Auto Invest, you will now see an additional filter option labelled "Investment Risk Category" for DEBIFO. There you can select the risk categories for DEBIFO loans you would like to invest in.





If you choose to invest manually, you will see an additional filter option next to DEBIFO’s name:

These filter options will be added for each loan originator that will start listing risk categories for their loans on Mintos.

Use the new feature to streamline your investment strategy!

Traduccion a lo google:
Se ha agregado una nueva característica a Mintos. Por primera vez, ahora puede adaptar sus inversiones de acuerdo con las categorías de riesgo de préstamo que se basan en los modelos únicos de calificación interna de los originadores de préstamos. Las categorías de riesgo vinculan la tasa de morosidad anual esperada con la tasa de interés ofrecida a los inversores en Mintos. Esta nueva característica le brinda un alto nivel de transparencia y le permitirá tomar decisiones más informadas y precisas sobre sus inversiones.

DEBIFO será el primer originador de préstamos en Mintos para el cual los inversionistas podrán seleccionar préstamos de acuerdo con las categorías de riesgo. DEBIFO es la principal compañía de financiamiento de facturas no bancarias en Lituania. Desde su lanzamiento en 2015, el servicio de financiación de facturas ha sido utilizado por más de 160 pequeñas y medianas empresas y se han financiado 4 600 facturas con un valor superior a 25,6 millones de euros.

La empresa con sede en Lituania tiene nueve categorías de riesgo para sus préstamos de financiamiento de facturas para que los inversionistas puedan elegir. Las calificaciones crediticias de DEBIFO varían de AA a CC, donde AA representa el riesgo más bajo y CC representa el más alto.

Al determinar el riesgo de un préstamo en particular, DEBIFO evalúa tanto al prestatario, que es el vendedor de bienes o servicios, como al comprador a quien el prestatario emite una factura. Las clases de riesgo se determinan mediante una combinación de la solvencia del prestatario (indicado por la primera letra) y del comprador (indicado por la segunda letra).

La calificación crediticia está determinada por numerosos factores, incluidos los datos financieros recientes de la empresa, la estructura de ventas, las conexiones de los accionistas, los arrestos y el historial judicial, los acuerdos legales y el comportamiento de pago del prestatario. Para el comprador, los datos de la oficina de crédito más reciente se utilizan en combinación con indicadores financieros tales como la relación capital-activo, razón rápida y razones de rentabilidad.

Aquí está la lista de las categorías de riesgo utilizadas por DEBIFO:

En otras palabras, a partir de ahora hay una herramienta adicional para gestionar los AI , pero como siempre aqui lo verdaderamente importante es que exista el BB.

Que la operacion este garantizada.

Saludos.

www.mintos.com sigue creciendo , aunque ojo esto son prestamos no garantizados.

The Mintos marketplace welcomes EuroOne, a new loan originator from Spain. EuroOne offers to invest in short-term unsecured personal loans issued online under its NetCredit and LunaCredit brands.

“We are proud to be part of the Mintos marketplace. This is a great opportunity for investors, as EuroOne offers a valuable alternative for today’s underbanked segment in Europe. The vast experience of the management team with artificial intelligence gives EuroOne an advantage over its competitors, as we make smart decisions in real-time,” says Denis Kalinin, CEO of EuroOne.

EuroOne loans available for investment on the Mintos marketplace will range from EUR 300 to EUR 1 000, with a repayment period of up to 30 days. The average net annual return to investors will range from 11 to 13%. Initially, the loans will be listed on Mintos at an introductory rate of 13%.

EuroOne loans will be supplemented with a buyback guarantee covering loans delinquent for more than 60 days. EuroOne will keep at least 10% of each loan on the Mintos marketplace on its balance sheet.

EuroOne Group is an artificial intelligence company that builds financial solutions for underbanked consumers. It was established in March 2017 in Berlin. The company employs a multinational team consisting of 30 highly skilled employees working in offices in the United Kingdom, Germany and Spain.

To launch company operations in Spain, EuroOne purchased Rapido Finance SLU issuing short-term loans under the NetCredit brand in August 2017. The acquired subsidiary was established in 2016 and has issued 20,000 loans worth EUR 6 million to date.

EuroOne plans to gain significant market share in the region by expanding in Spain and entering new markets. The product portfolio of EuroOne currently includes short-term and personal loans, with more consumer products planned in the near future.

80% of EuroOne’s customer base comes from mobile. EuroOne customers are aged between 22-70 and earn between EUR 800 and EUR 2000 a month. Typically they borrow money to cover unexpected expenses, such as medical expenses, home repairs or helping family and friends.      

EuroOne creates consumer finance loans by using sophisticated artificial intelligence techniques and tight scoring applications. EuroOne proprietary technology calculates the expected lifetime value (LTV) for each prospect by using hundreds of data points acquired from traditional and nontraditional sources, such as information from Internet browsers and telecom providers.

If you are using Auto Invest to put together your portfolio and would like to invest in new loans issued by EuroOne, be sure to add EuroOne to your loan originators’ list. Auto Invest saves time and never misses an opportunity!

O sea que si no lo añadiste a la lista de loan originators no te lo invierten en esos, no?

Esta ultimamente Mintos muy rarito...tengo en demora ya un 25% cuando lo normal era tener un 18% como maximo. ¿Como os va a vosotros?