It 's always more frequent opening of internet web platforms, where those in need of money, puts them conveniently available to others for financing ideas, projects, innovative start-ups, the lender benefits and who receives, gets no money from banks in this period have restricted access to credit. The loan capital ( social lending ) passes only through "custodians" and exchanged on the Web so that the lender pays the amount he wants, and as a result, the portal certificate to perform this work, unpacks its money in small loans granted to as many selected applicants.
The interest rate on the loan increases in proportion to the risk to which the loan is subject, with yields for the service provider, more than the bank. Borrowers are charged for the amount received in APR loan with a rate between 7.5 and 9%, the default rate inherent in the portfolio is around 2% and yields for lenders reach up to 12.5% (read all detailed information about the sites that offer this service). Taxation . The portals provide a certification providers of income that should be reported on the 730 in the "investment income" and the current taxation is between 20-21%, although there may be a short news more favorable to the lender on the web
Conduct . When to pay the money, the lender on the portal of social lending to choose which categories of people pay their money, while the solvency of applicants money is assessed by portal with a thorough analysis of debts, stable jobs, no protest, and other bills paid, so as to divide the money in receiving credit for certain classes of solvency. In this way, individuals receive from other private money with which to deal with complex financial situations, various emergencies, professional costs.
Obligations . The Bank of Italy has called the loan between individuals within dell'operare ofPayment institutions considered non-banks with alternative payment services to banks and under the supervision of the same BI, with a structure of risk management, adaptation to regulations, internal audit, auditors and statutory auditors, with a heritage that protects customers. Who offers social lending also has an obligation to communicate any new open relationship with customers, reports anti-money laundering (movements over 15,000 euro) and regularity or less in repayments.
Data . The social lending is based on trust and security for lenders who provide an average of € 4,000, you can pay up to € 50 thousand with an average loan period of around 24 months. Who asks for money with the formula cited are about 20% women and the rest are men, a higher percentage of applicants who came in the age group between 35-44 years. The north of Italy is the geographical area that overlooks the loan Web with greater intensity, the reasons for the request are mainly to consolidate debts and maintain the house, finance ideas, make various purchases and pay expenses for the family and study.
The websites in Italy for the social lending for example, are recognized smartika.it, which has already signed loans for 9.5 million euro; prestiamoci.it, has, to his credit, 330 providers and finances around 1.5 million euro , kiva.org, a site that allows you to invest small amounts from 25 euro to finance business projects in developing countries, by deciding in which sector to invest and learn about the history and goals of the group that requires money.
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