Invest in Social lending

20 Dec

Use technology to share information, goods, resources: it’s the sharing economy.

One of the many variations of this “sharing economy” is P2P Lending (or Social Lending)

An alternative finance model in which, thanks to technology, individuals make their savings available to those who request a loan, without bank intermediation .
P2P Lending is very widespread all over the world: just think that in 2016, only in the US, 24 billion dollars were provided through online platforms.

However, in Italy, the affirmation of this model of ethical finance is lagging behind other countries.
Why? The reasons for this are more than one. The main one concerned the type of taxation, not very beneficial for lenders. But now things have changed profoundly: 2018 will be the year of the breakthrough of P2P Lending in Italy.
In fact, in December 2017, the Italian Parliament finally approved an amendment according to which P2P Lending is no longer taxed on the basis of the income tax rate relative to the investor, but with a single rate of 26% , as for any other form of investment financial.

Parliament has also recognized, from a legislative point of view, that P2P Lending is an important part of the Fintech sector, where finance and technology meet. Behind the promulgation of the amendment must read the desire to bring Italy to the same level as its European neighbors. Because P2P is a model that works, and that can help to grow the economy.
P2P Lending is a form of high yield investment, and has low volatility. Make a loan to a private individual, and each month receive a repayment consisting of an interest and a principal amount. Everything is clear and linear, without the fluctuating trend of other financial instruments.

However, as with any other form of investment, Social Lending also has some risk factors. But with Social Lending, a P2P Lending platform monitored by the Bank of Italy , these factors are drastically reduced. Here because:

You choose how much to risk.

With Social Lending it is the lender who decides how much he wants to risk. You can invest on 3 different markets: Conservatives, which includes applicants whose loans are very solid, Balanced, and finally Dynamic, where the borrowers that are more risky are grouped together, but which allow for greater remuneration. You establish the most suitable market for you.

Diversify to reduce risk .

If you decide to invest € 1,000, your money will not go into the hands of a single applicant, but will be divided into small parts, for example € 20. You will then lend your € 1,000 to 50 different applicants.

Credit recovery in the event of non-payment .

If the applicant does not have to repay the loan on time – and if there is no agreement – Social Lending proceeds to recover the amounts due. The lender will be able to recover what has been lent, following the legal process.

“Social Lending Lender Protection” protection fund .

In the event that the legal process is not successful, Social Lending will activate, up to the fund capacity, the Social Lending Lender Protection, a protection fund to repay the unpaid capital by the debtor: an important guarantee to protect lenders.

But investing with Social Lending agrees? The answer is yes: investments make up to 6.5%, much more than those of many other financial instruments.

If you are looking for a form of intelligent investment, supportive and with excellent returns, Social Lending is the best solution. A model of alternative finance, made by people and for people, that looks to the future. Invest now.