Ett lysande sätt att tjäna extrapengar är att låna ut de pengar du redan har till privatpersoner via ett P2P-bolag. Det ger dig en riktigt fin extrainkomst utan att du behöver göra någonting alls, och det är ju inte så dumt.
Ett P2P-bolag är ett företag som distribuerar pengar mellan privatpersoner, alltså mellan de som vill låna ut pengar och de som vill låna pengar. Naturligtvis tar de ut en liten avgift för sin service men den brukar bara ligga på runt 1 % av ditt utlånade kapital per år och det är ju ingenting med tanke på hur hög ränta du kan få. Detta är mycket bättre än smslån och snabblån eftersom att räntorna sjunker, samtidigt som du kan få möjlighet att tjäna pengar på att låna ut.
Skulle du själv vara i behov av att ta ett smslån så bör du först jämföra räntorna och sikta på ett P2P lån istället. Exempel på hur höga räntorna för smslån är ser du här på http://smslånen.se.
Så fungerar P2P-utlåning
- Registrera dig hos ett seriöst P2P-företag som ger en riktigt bra avkastning, t ex Lendify.
- Välj löptid. Om du t ex väljer en löptid på 3 år innebär det inte att du inte får dina pengar förrän om 3 år utan det är den löptid du vill att lånen ska ha. Dina investerade pengar får du tillbaka månadsvis.
- Sätt in de pengar du vill investera i lån.
- Dina pengar investeras i många olika lån så du får en bra riskspridning. Du kan även själv bestämma vilka lån dina pengar ska investeras i, alltifrån lågrisklån till högrisklån.
- Varje månad erhåller du återbetalningar allteftersom låntagarna betalar tillbaka på sina lån. Du kan även välja att återinvestera pengarna i nya lån vilket ger dig en ännu bättre avkastning.
Inte så svårt att tjäna extra inkomster tack vare P2P-lån, eller hur?
Hur hög ränta kan jag få?
Hur mycket du kan få i ränta när du erbjuder P2P-lån till andra privatpersoner beror på tre faktorer:
- Vilket P2P-företag du använder dig av.
- Hur hög risk lånen är förknippade med, ju högre risk desto större avkastning.
- Hur lång löptid du väljer att P2P-lånen ska ha, ju längre du binder lånet desto högre ränta.
Räntorna brukar normalt vara på alltifrån ca 2 % upp till ca 11 % beroende på ovanstående faktorer.
Hög avkastning hos Lendify
Lendify är förmodligen det allra bästa P2P-bolaget. De är seriösa, tar ut låga avgifter, sprider riskerna bra och sist men inte minst: de ger en riktigt bra avkastning,
Så här ser den förväntade avkastningen ut hos Lendify efter serviceavgifterna och förväntade kreditförluster om du återinvesterar de pengar du får tillbaka från låntagarna i nya lån under löptiden.
- Löptid 1 år: 3,5 %
- Löptid 3 år: 4,3 %
- Löptid 5 år: 5,8 %
- Löptid 10 år: 8,2 %
Som du ser är det här en betydligt högre avkastning är vad du får på dagens sparkonton, men om du investerar i många högrisklån får du en ännu högre avkastning.
Risker med P2P-lån
När du erbjuder P2P-lån till privatpersoner tar du en viss risk eftersom det är du, och inte P2P-bolaget, som förlorar pengar om någon eller några långivare inte betalar tillbaka på sina lån.
Hos Lendify är risken för kreditförlust för trygga lån bara 0,20 % och upp till 4 % för högrisklån, trots det har ingen långivare någonsin förlorat pengar på att vara långivare hos Lendify.
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