Unlike other platforms you n´investissez not directly in loans. D´union loan is a personal loan d´investissement background which makes a big difference.
Indeed unlike all others you n´investissez not directly in loans. D´union loan is a personal loan d´investissement background which makes a big difference. You choose only the amount to pay and the level of risk, ready d´union takes care of the rest.
Borrowers may request and from € 3,000 to € 40 000 can be applied over a period of 24, 36, 48, 60 or 72 months regardless of the project (motors, work, holidays, cash…).
Performance in all this? As lenders you can expect performance gross between 4-6% according to the duration of the loan and the risk profile of borrowers.
Since September 2015 they have implemented a counter-proposal online system. If your application has little chance of succeeding because of the information qu´ils have c´est to say your risk profile site directly offers a solution for which acceptance is Lourdes.
The criteria for credit are, according to the site, still more restrictive than those of traditional banks as we know it.
Side safety site is well legal, society to approval of the supervisory authority (ACP), an official body in France.
Performance and price
The Fund conservative Court: he invests in credits maturity 2 years and 3 years granted to borrowers of category A; the expected gross yield is 4.1% per year (before impact of the defects of the funds estimated at 1.0% per year).
-The Fund conservative Long: it invests in credits maturity 4,5 and 6 years granted to borrowers of category A; expected gross yield is 5.0% per annum (before impact of the defects of the funds estimated at 1.0% per year).
-The Fund balance short: it invests in credits maturity 2 years and 3 years granted to borrowers of category B; expected gross yield is 6.1% per annum (before impact of defects of funds estimated at 1.3% per annum).
-The Fund balance Long: it invests in credits maturity 4,5 and 6 years granted to borrowers of category B; the expected gross yield is 7.0% per annum (before impact of the defects of the funds estimated at 1.6% per year).
- The dynamic Fund: it invests in credits maturity 2, 3, 4 and 5 years granted to borrowers in category C; the expected gross return is 9.0% per year (before impact of the defects of the funds estimated to be 2.4% per year).
Union loan has implemented a risk scale defined by scores A, B and C for borrowers. A score borrowers have higher credit score borrowers B who themselves have higher credit score borrowers C.
It's capitalizing investment: monthly instalments paid by borrowers are reinvested every month, and increase the value of each share of funds.
Union loan does not account opening fee, custody or account closing charge. Union loan draws on balanced funds and the dynamic fund management fees, which are reflected in the value of the share of proceeds. Release each month performance is net of fees.
Beyond 12 months loan of Union does not charge any commission.
To open an account investor on loan of the Union you will need to proceed with a first payment of € 1,000 minimum on your account. The subsequent investment amount are free.
You can either send a cheque made payable to the loan of Union or proceed with a transfer to the account whose bank details are on your opening account folder.
If you are an individual, you must obligatorily be major and have an account in a bank in a country of the European economic area. Therefore, it is not necessary to be a french resident or to have an account in a bank in France.
In addition, you must request to be categorized as a professional investor (because the investment product is intended for an informed public).
To be investor professional, one must meet 2 of the 3 conditions stipulated by the AMF, namely:
- be an "active" investor stock markets for own account or for the account of third parties (first condition),
- having worked at least one year in a position related to corporate finance (accounting, audit, management control, management of cash/cash), financial market, the Bank or insurance second condition), which allows you to justify a knowledge of financial investments.
- hold a financial assets (securities not listed or sides + account titles + life + booklets + accounts + PEA + shares or whether listed or non-listed company's shares, shares of REITs, FCPI, SCI + others…) of at least 500' €000 third condition).
In contrast to borrow c´est not bad.
Example for a project of 3 500eur on 72 months
NEED D´UN CREDIT? MAKE A SIMULATION BELOW
Nothing to complain about.
Sponsorship, compensation on the basis of the filing of the Godson
Offer initiation for all account > €10000: € 100 for the Godson, and € 100 for the Godfather
There are also the premium offer for opening of account > €50000: € 500 for the Godson, and € 500 for the Godfather! The Godson after printing his account file (downloadable at the end of registration on the Internet) Investor, must mention ink so the name and the surname of his godfather on the sheet corresponding to the account opening agreement.
The Godson after printing his account file (downloadable at the end of registration on the Internet) Investor, must mention ink so the name and the surname of his godfather on the sheet corresponding to the account opening agreement.
As borrower they are good.
As a lender, this company proposes to take share in 4 Fund which will be used to lend to different applicants, providing earnings estimates gross (before management fees and impact of defects) 4.4 to 7.4%.
Except that l´entreprise estimates a 1% failure rate that d´apres my experience is largely under-estimated.
Take the annual return estimated 5% after management fees and expenses before taxes.
There are penalties if you leave before 12 months, and the investment is little liquid.
Handling charges (this applies only to borrowers): 100 euros for a loan of 5000 euros. Another feature on the fees, they are paid at the time of loan of Union actually the transfer of funds.
The principle is interesting (suggest borrowers to a bit lower than the market rates, and lenders to the slightly higher rate), but the risks are many (should also declare 'professional investor' to subscribe, and I n´aime not at all).
Union loan interest according to me not to the particular physical person investor whose main objective is to earn money, as hoped, after fresh management, performance impact of defects and taxation is too low, 2.2% or less in most cases
To have wanted to invest j´ai d´ailleurs was denied.
However as borrower it seems than much better c´est.