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P2P loans: The case of Aramis

 

It is undeniable that the collaborative economy is booming. The fintech sector has taken advantage of the benefits of new information and communication technologies to connect people who need financing with those who want to invest their savings knowing where they are investing. This is the basis of P2P.

Here are 5 key points to understand the operation of the P2P :

Here are 5 key points to understand the operation of the P2P :

  • The borrowers or entrepreneurs. They are those who seek financing for their projects in a fair manner. The growing demand of entrepreneurs who need investment for their projects is unstoppable, but given the global economic difficulties and obstacles to access the more traditional financial system, they have resorted to alternative financing platforms.
  • The lenders or investors. Many individuals have seen how their savings, far from growing in traditional bank deposits, are not getting the return they expected. Likewise, the concern to invest in complicated financial products has led them to look for alternative ways to invest their money. Many have preferred to obtain better returns by financing other people’s projects like them.
  • The digital meeting platform. For the meeting of the two parties, participatory financing platforms (PFP) put their resources at the service of investors and entrepreneurs so they can meet. The technological meeting tool is not the only thing that the platform offers, but it provides the parties with security, guarantees and makes all the arrangements so that the loan can be carried out. The platforms analyze the profitability of the projects and categorize the investments. Aramis, for example, also offers its own Coverage System, a pioneer in the sector, that protects investors against defaults.
  • The regulation The Law on the Promotion of Business Financing regulates participatory or mass financing systems. Spain placed crowdlending within a visible legal framework that grants a legal protection to financing collectively, placing all ‘fintech’ financial operations within the most absolute legality.
  • Differences with traditional banking. Who requests the loan through P2P platforms is more likely that, if the application is accepted, the interest is less than that required by banks and savings banks. Those who are looking for an alternative to traditional investment modes will obtain greater profitability and know exactly what project they are investing in.

P2P platforms

P2P platforms

The opportunities and options of P2P platforms are so attractive that many banks want to join and offer online solutions quickly and easily, although their products are far from participatory financing. The new participatory financing (PFP) platforms are undoubtedly reinventing the world of finance.

Save Money – Savings Tips

When times are for savings we are all more sensitive to money movements, not only by inputs but also by outputs. Briefly, wages do not rise but expenditures do not stop rising, not because new batches of needs have arisen, but because taxes and inflation are in charge of increasing their weight in the family budget.

It is precisely on the expenditure that we have to devote more and more attention to our needs, advising the need for them and the possibility of replacing them. Being smart is being able to keep all existing quality of life at lower prices.

Seek to Motivate Yourself If You Want to Save Money

Seek to Motivate Yourself If You Want to Save Money

As a general rule, when talking about Personal Finance, attention is focused on reducing expenses as a solution to the financial balance, which is true, however, is not the most motivating.

If you think that to save 50 euros a month you will have to stop dining every weekend in the restaurant with your family, this denial will have more impact depending on the satisfaction that this weekly moment gives you. If you enjoy dining out over the weekend with your family then failing to do so will not be a motivator for your personal finances as you will feel a void in your personal satisfaction.

Find the Balance!

Find the Balance!

The key is finding a balance between motivation, personal satisfaction and savings, such as choosing a new restaurant that allows you to get together weekly and gives you the same satisfaction at lower prices, or even restaurant with a free socializing program, like for example, to exchange the dinner for an outdoor picnic during the day on a weekend and in the following one the famous trip to the restaurant.

The possibilities are immense and all of them do not need to lower your standard of living and here are some that you can start doing today and you will see that not only will you have greater personal satisfaction but will also save money on them in a motivating way.

Saving Money on the Electricity Bill

Saving Money on the Electricity Bill

There is a very short time ago was the month of hits in the electric bill and we all feel like we have been irresponsible with using it. Fortunately, for some years now I have devoted part of my attention to home energy consumption, having significantly reduced the electric bill by installing energy saving lamps and teaching some tricks, such as:

  • Never turn on the light during the day because we have the light of it,
  • Only one bulb per division should be on and only if one is in the same;
  • To move between rooms it is not necessary to turn on the hall light,
  • No to presence lights, such as standby TVs;
  • Toasters, microwaves, electric ovens only plug in if needed;
  • Sometimes a candlelight dinner is romantic, different and always tastes good;

Save Money on Water Invoice

Save Money on Water Invoice

Here is more about future generations. It does not make sense, so much waste of water, not only at the level of domestic consumption but also at industrial level. There are small tips that make it easier to consume water and allow you to save a few euros each month. Yes the savings are tiny in water issues, but the benefits and associated liability is of unparalleled magnitude.

There are also some home rules that work very well, such as:

  • Quick shower;
  • Glass of Water to wash your teeth and not running water;
  • Bottle of sand in the toilet repository;
  • Dishwasher only with full load.

They are small tips that work very well and do not eliminate daily hygiene habits. For example, in showers, you should only let the water run when you need it, ie before you lather and after, because while soaking does not need water.

Quickly borrow a small amount with a flash loan

Do you want to borrow extra money directly for a purchase or to pay a bill, for example? Borrowing a small amount quickly with a flash loan is now possible!

Many people think that borrowing a small amount is complicated or takes a lot of time. However, borrowing a small amount can be arranged quickly and easily with the help of a flash loan. Flash loans are offered by independent lenders on the internet, who omit as many conditions as possible and thereby keep borrowing accessible to everyone. In this article more information about independently taking out a flash loan via the internet.

Whether or not to borrow a small amount quickly via the internet with a flash loan?

Whether or not to borrow a small amount quickly via the internet with a flash loan?

You may know people who have taken out a loan via the internet or are considering this. Many people have doubts about the security of these loans or are curious about what potential risk factors might be. In most cases, borrowing via the internet is just as safe as borrowing money through the bank. It is, however, important to be aware of the applicable (legal) conditions and risks. As long as you borrow in a responsible manner and predetermined what is feasible in your situation, you avoid unnecessary risks or money problems in the future.

Can I also borrow a small amount quickly with a flash loan?

Can I also borrow a small amount quickly with a flash loan?

If you are convinced that you want to take out an online flash loan, it is important to see what is feasible for you. Because every provider can determine its own conditions in addition to the legal conditions, it can be useful to view and compare different providers for the best deal. Some important things to look out for:
– Is it an officially recognized lender?
– What is the maximum amount I can borrow from this lender?
– In what period should I have the money available again?
– Are any additional conditions applicable?
– What are the experiences of others with a certain loan?
By reading carefully about the above, you can borrow in a safe manner and prevent unnecessary risks when borrowing online!

How much money can I borrow with a small loan quickly with a flash loan?

How much money can I borrow with a small loan quickly with a flash loan?

Flash loans are meant for situations where a small amount of extra money is needed quickly. In most cases a small amount is sufficient. For that reason, it is often only possible to borrow small amounts from online providers. This is also a safety aspect. Exactly how much you can borrow can be determined by each provider, but it usually concerns loans up to a maximum of 1000 euros. You then decide for yourself whether you want to borrow 300 euros, 500 euros or 800 euros, for example. You also do not have to give the reason for borrowing from these providers.
All in all, taking out a flash loan via the internet can be arranged quickly and easily! Chances are that you too can take out a flash loan online for extra money.