Il social lending – Il prestito senza Banca
Si definisce social lending (spesso abbreviato in P2P lending e in italiano come prestito tra privati) il prestito personale erogato da privati ad altri privati su Internet, attraverso siti di aziende di social lending, senza passare quindi attraverso i canali tradizionali rappresentati da società finanziarie e banche.
ORIGINI E SVILUPPO
Nel 2005, in Gran Bretagna, Zopa Ltd ha introdotto il social lending, ora noto anche come P2P (Peer-to-Peer) lending. In pochi anni, sulla spinta della crisi finanziaria del 2008, è diventato un modello finanziario alternativo che funziona su larga scala. Sono ora oltre 60 le piattaforme di social lending attive nel mondo con punte di eccellenza negli USA (Lending Club e Prosper).
COME FUNZIONA
Questa forma di prestito è riconducibile ai prestiti personali non finalizzati, una delle tipologie più utilizzate di credito al consumo. Con il social lending, chi presta denaro e chi lo riceve mediamente percepisce o paga una quota di interessi più favorevole rispetto a quella proposta dalle istituzioni finanziarie tradizionali. Ciò è possibile perché i costi di intermediazione sono ridotti, in quanto, il prestatore e il richiedente vengono messi in relazione diretta.
MERITO CREDITIZIO
Ad ogni richiedente viene assegnato un rating, cioè un livello di affidabilità, interrogando le centrali rischi private, in modo del tutto simile a quanto fanno banche e finanziarie.
Più il livello è scadente e più i tassi di interesse per i prestatori sono alti per compensare il rischio.
Il prestito viene erogato dopo un’analisi della documentazione fornita dal richiedente a controprova di quanto dichiarato online.
LA RESTITUZIONE DEL FINANZIAMENTO
Il richiedente restituisce il prestito con una rata mensile, normalmente per addebito diretto su conto corrente bancario ed è poi compito dell’intermediario di social lending ridistribuire la rata ai prestatori secondo la quota capitale e la quota interessi spettante.
In caso di morosità di uno o più richiedenti, la società intermediaria attiva i programmi di recupero credito a nome di tutti i prestatori coinvolti.
PROFILI LEGALI
Da un punto di vista legale sia il prestatore che il richiedente stipulano un contratto concluso a distanza con l’azienda di social lending, in particolare il richiedente si riconosce debitore di n prestatori, ognuno identificato dal suo nickname (solo l’azienda conosce le identità reali, prestatori e richiedenti si conoscono tra loro via nickname). Il prestito erogato dal prestatore non è protetto da garanzie nel caso di default del richiedente. In caso di fallimento dell’azienda di social lending, il denaro del prestatore è protetto dalle azioni dei creditori dell’azienda stessa e la restituzione delle rate residue prosegue a cura della procedura fallimentare.
PRINCIPALI PIATTAFORME
Tra le principali piattaforme attive in Italia troviamo:
- SMARTIKA – https://www.smartika.it/it/index.html
- PRESTIAMOCI – https://www.prestiamoci.it/
- BORSA DEL CREDITO – https://www.borsadelcredito.it/
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
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Siamo un’organizzazione molto seri che funziona da anni nel settore finanziario.
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INFORMAZIONI DEL MUTUANTE
I vostri nomi ………………….
Il tuo paese………………….
La tua città…………………..
il tuo stato……………………
Il tuo indirizzo …………………
Il tuo lavoro ……………..
Il tuo stato civile ……………….
sesso ……………/età ………………………..
numero di telefono………………….
Reddito mensile……………………
Durata del prestito ………………………..
Importo del prestito richiesto ………..
Grazie e spero di avere presto tue notizie in modo da poterti inviare i termini del prestito e il programma di rimborso.
Firma,
Direttore esecutivo
Suzanne Klatten.
E-MAIL: financesus@hotmail.com
Ciao a tutti,
Benvenuto nel futuro! Il finanziamento è diventato facile con il dottor Everett Cooper.
Sei stato alla ricerca di finanziamenti per i tuoi nuovi piani aziendali, stai cercando un prestito per espandere la tua attività esistente, sei alle prese con bollette non pagate e sa tutto? Sei stato rifiutato dalle tue banche? Il dottor Everett Cooper. dice SÌ quando le tue banche dicono NO. Contattaci da qualsiasi servizio finanziario a un tasso di interesse basso e previsto del 2% per offerte a lungo e breve termine. I candidati interessati devono contattarci per ulteriori procedure di acquisizione del credito.
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Soluzione Prestito
ottieni il tuo credito al primo tentativo molto affidabile e garantito entro 48 ore dall’approvazione della tua domanda.
Tassi Agevolati e Pochi documenti necessari.
Richiedi un preventivo senza impegno, yvette.defonds@gmail.com
Sono Ingrid, vorrei condividere una straordinaria testimonianza di come ho ottenuto un PRESTITO di 200.000 Euro tramite ELENA NINO credito investimento e ogni genere. se sei interessato ad un prestito contatta via email: Elenanino0007@outlook.com
Hai bisogno di soldi per l’espansione o la creazione di la propria attività. avocatsaulo@gmail.com
WhatsApp: +39 3509 228 529
Ciao
Scusa per questo modo di contattarti.
A proposito, se realizzo questa pubblicazione, è solo per vedere se ce l’hai
già beneficiato del finanziamento da 10.000 euro a 100.000 euro lanciato dalla banca FMI in collaborazione con l’ONU e la Banque BCE de FRANCE per aiutarti con una sovvenzione a fondo perduto per i tuoi progetti o per tutte le tue esigenze e rilanciare un business redditizio per la raccolta di questo nuovo anno e aiutare le famiglie, concludere con i prestiti online che fanno seguito alle frodi Contattami per maggiori dettagli via email: annakristinkristinsdottir94@gmail.com
WhatsApp: +447362038840
Ciao
Scusa per questo modo di contattarti.
A proposito, se realizzo questa pubblicazione, è solo per vedere se ce l’hai
già beneficiato del finanziamento da 10.000 euro a 100.000 euro lanciato dalla banca FMI in collaborazione con l’ONU e la Banque BCE de FRANCE per aiutarti con una sovvenzione a fondo perduto per i tuoi progetti o per tutte le tue esigenze e rilanciare un business redditizio per la raccolta di questo nuovo anno e aiutare le famiglie, concludere con i prestiti online che fanno seguito alle frodi Contattami per maggiori dettagli via email: annakristinkristinsdottir94@gmail.com
WhatsApp: +447362038840
Miglior Offerta di Prestito in tutta Italia
Buongiorno
offrono un prestito a chiunque abbia bisogno di un prestito per risolvere un problema. Ti offro fino a 700.000€
a 2000€ con un tasso di interesse del 2%. Per ulteriori informazioni, Contrastant tramite E-mail : yvette.defonds@gmail.com
Ottieni il tuo prestito con una persona che ti è vicina e riconosciuta dal governo con un numero di iscrizioni.
Prestito a disposizione di tutti e per tutte le vostre esigenze.
E-mail: yvette.defonds@gmail.com
offriamo un prestito di denaro semplice, veloce e affidabile che va da 1.000,00 Euro a 1.000.000,00 Euro a persone serie e oneste
ha bisogno di soldi con un tasso di interesse del 3% annuo. Per maggiori informazioni contattatemi solo tramite Email: yvette.defonds@gmail.com
Imprenditore, artigiano, pensionato, lavoratore dipendente, autonomo, medico , commerciante, tassista, ottiene unAiuti da 2.000 a 500.000 euro fino a 10 000.000,00 euro, con un tasso di interesse del 3% email: lenzottilinda@gmail.com
Ottieni un prestito per saldare i tuoi debiti, per realizzare i tuoi progetti, per acquistare la casa o l’auto dei tuoi sogni. Offriamo il prestito a chiunque sia in grado di rimborsare alle nostre condizioni.
Email:montesana.antonio10@gmail.com
Dispostoo a dare prestiitiii con tasso di interesse del 3% al mese, pari 1000€ a 1.000.000€ come l’offertaa di prestiito avocatsaulo@gmail.com
WhatsApp: +39 3509 228 529
Prestito e investimento urgenti e veloci
Ciao, Hai bisogno di un prestito di emergenza per le tue esigenze finanziarie ora? non preoccuparti più Ti faccio subito un prestito veloce tramite bonifico bancario in tempo reale. La mia offerta di prestito varia da 5000 euro a 25.000.000 di euro con un tasso di interesse del 2%. Il rimborso del prestito avviene mensilmente o annualmente, a seconda della vostra scelta. Per richiedere un prestito, contatta ora: Email: herdovapavla4@gmail.com
acquisire qualsiasi categoria di patente di guida legale registrata nel database insieme al DMV.
contatto:
e-mail: marcdupon18@gmail.com
Testimonianza
credito ricevuto a: (viniciopizza716@gmail.com) Whatsapp: +393509125503
Ciao, scusa per questo tipo di contatto. Per inciso, se pubblico questa pubblicazione, è solo per vedere se hai già beneficiato del finanziamento di 10.000-100.000 euro fornito dalla Banca FMI in collaborazione con l’ONU, e la Banque BCE de FRANCE è stata istituita per aiutarti con un contributo a fondo perduto per i tuoi progetti o per tutte le tue esigenze, e ottieni un business redditizio per la raccolta fondi di questo nuovo anno e aiuta le famiglie a cancellare prestiti online in cerca di truffe. Contattami per maggiori informazioni via email: annakristinkristinsdottir94@gmail.com
Půjčku získáte snadno a bez zbytečného papírování Půjčíme vám od 50 000 do 50 mil. Kč Kontaktujte mě na libovolnou částku do 5 000 000 Kč Prospějete nejen výhodnější sazbě, ale především jistotě, že při ztrátě práci nebo onemocníte, díky mé půjčce nebudete bez peněz. E-mail: tomasblahuta057@gmail.com
Good day. Quick loans Service available here. I am a private loan lender that gives out both business and personal loans to individual at a low interest rate of 2% no matter your location. If you are interested Contact me (Whats App) number:+917310847059 sumitihomelend@gmail.com Mr. Sumiti
Olá,
eu sou Mr Mike Church empréstimo financeiro, um emprestador de empréstimo legítimo, nós damos empréstimos
para empréstimo pessoal, empréstimo à habitação, empréstimos para comprar um carro, empréstimo estudantil, dívida
empréstimo de consolidação, empréstimo não garantido, empréstimos de capital de risco e negócios para
investir e resolver problemas financeiros, etc… nossos empréstimos com facilidade e compartilhar
capital de 150 milhões de euros, espera conceder empréstimos privados a curto e longo prazo,
um prazo que varia de € 500 a € 100 milhões de euros para todas as pessoas sérias,
confiável, e integrá-lo quer fazer um empréstimo. Minha taxa de juros de 2%, se
você está interessado em nossa oferta de empréstimo, entre em contato conosco pelo endereço de e-mail em
Nome: Mr Mike
E-mail: agborloanfirm@gmail.com ou número do WhatsApp móvel, +27783908896
Ciao
Voglio restituire la mia proprietà per motivi di salute.
Con il cuore spezzato e le lacrime agli occhi, scrivo questo messaggio. Voglio donare 150.000 euro a una persona di buona volontà che teme Dio.
Sono malata e soffro di cancro al seno e ho maggiori possibilità di vivere, motivo per cui voglio fare questa donazione.
Maggiori informazioni sulla mia donazione scrivimi:
WhatsApp: +447362038840
E-mail: annakristinkristinsdottir94@gmail.com
Alla vostra attenzione:
Avete problemi di finanziamenti?
Volete migliorato la vostra vita?
Preoccupato più li può che avete una soluzione ai vostri problemi.
Siamo un’organizzazione molto seri che funziona da anni nel settore finanziario.
Volete volere contattarli per più precisione.
Non dimenticate precisato vostro importi.
NB: Il nostro finanziamento inizia a partire da 5.000€ a 5.000.000.00 €.
Potete scriverlo al mio indirizzo mail E-mail : yvette.defonds@gmail.com
Ciao,
Sono il prestito finanziario del signor Mike Church, un prestatore di prestiti legittimo, diamo prestiti
a prestito personale, mutuo per la casa, prestiti per l’acquisto di un’auto, prestito studentesco, debito
prestito di consolidamento, prestito chirografario, prestiti di capitale di rischio e imprese a
investire e risolvere problemi finanziari, ecc… i nostri prestiti facilmente e condividere
capitale di 150 milioni di euro, prevede prestiti privati a breve e lungo termine,
un termine che va da € 500 a € 100 milioni di euro per tutte le persone serie,
affidabile, e integra vuole fare un prestito. Il mio tasso di interesse del 2%, se
sei interessato alla nostra offerta di prestito, contattaci all’indirizzo e-mail a
Nome: Mr Mike
Email: agborloanfirm@gmail.com o numero WhatsApp mobile, +393511012004 o +27783908896
If a automobile drives two hours at sixty four miles per hour, it traveled one hundred thirty miles.
Ciao,
Sono il prestito finanziario del signor Mike Church, un prestatore di prestiti legittimo, diamo prestiti
a prestito personale, mutuo per la casa, prestiti per l’acquisto di un’auto, prestito studentesco, debito
prestito di consolidamento, prestito chirografario, prestiti di capitale di rischio e imprese a
investire e risolvere problemi finanziari, ecc… i nostri prestiti facilmente e condividere
capitale di 150 milioni di euro, prevede prestiti privati a breve e lungo termine,
un termine che va da € 500 a € 100 milioni di euro per tutte le persone serie,
affidabile, e integra vuole fare un prestito. Il mio tasso di interesse del 2%, se
sei interessato alla nostra offerta di prestito, contattaci all’indirizzo e-mail a
Nome: Mr Mike
Email: agborloanfirm@gmail.com o numero WhatsApp mobile, +393511012004 +27783908896
Ciao,
Sono il prestito finanziario di Mike Church, un legittimo prestatore di prestiti, concediamo prestiti
al prestito personale, mutuo per la casa, prestiti che acquista un’auto, prestito studentesco, debito
prestito di consolidamento, prestito non garantito, prestiti di capitale di rischio e imprese a
investire e risolvere problemi finanziari, ecc. … i nostri prestiti facilmente e condividere
Capitale di € 150 milioni di euro, prevede di prestare privato a breve e lungo termine,
un termine che va da € 500 a € 100 milioni di euro per tutte le persone serie,
affidabile e integrarlo vuole fare un prestito. Il mio tasso di interesse del 2%, se
Sei interessato alla nostra offerta di prestito, contatta l’indirizzo e -mail a noi a
Nome: Mr Mike
Email: Agborloanfirm@gmail.com o numero di whatsapp mobile, +393511012004 +27783908896
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Ciao
Voglio restituire la mia proprietà per motivi di salute.
Con il cuore spezzato e le lacrime agli occhi, scrivo questo messaggio. Voglio donare 150.000 euro a una persona di buona volontà che teme Dio.
Sono malata e soffro di cancro al seno e ho maggiori possibilità di vivere, motivo per cui voglio fare questa donazione.
Maggiori informazioni sulla mia donazione scrivimi:
WhatsApp: +447362038840
E-mail: annakristinkristinsdottir94@gmail.com
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Ciao
Voglio restituire la mia proprietà per motivi di salute.
Con il cuore spezzato e le lacrime agli occhi, scrivo questo messaggio. Voglio donare 150.000 euro a una persona di buona volontà che teme Dio.
Sono malata e soffro di cancro al seno e ho maggiori possibilità di vivere, motivo per cui voglio fare questa donazione.
Maggiori informazioni sulla mia donazione scrivimi:
WhatsApp: +447362038840
E-mail: annakristinkristinsdottir94@gmail.com
Ciao
Il vostro credito serio tra gli individui
Avete bisogno di un credito tra individui.
Sì, tra individui.
Voi fate la vostra richiesta e il contratto sarà firmato tra voi e me.
La banca si occupa solo del trasferimento.
Richiedere un credito non dovrebbe più essere un problema.
Richiedi un credito tra 5000€ e 1.000.000€ e lo avrai in 48 ore
Termini convenienti senza il fastidio.
Mio indirizzo mail didiergomesse@gmail.com
Buona comprensione
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Testimonianza
credito ricevuto a: (viniciopizza716@gmail.com) Whatsapp: +393509125503
Incredibile ma vero. Ho appena ricevuto il mio prestito questa mattina sul mio conto grazie al signor VINICIO PIZZA. Sono molto felice. Tu che hai bisogno di un prestito non cercare oltre. Contatta il Sig. VINICIO PIZZA. Ti riempirà di gioia. Ecco il suo indirizzo email
E-mail: viniciopizza716@gmail.com
Whatsapp: +393509125503
Ciao a tutti,
Sono un prestatore privato, offro un prestito al 2% questa è una società legittima con onore e differenza siamo pronti ad aiutarti in qualsiasi problema finanziario che sei offriamo tutti i tipi di prestito quindi se sei interessato a questa offerta di prestito gentilmente contattaci alla nostra email: (christywalton355@gmail.com) Fornisci anche i seguenti dettagli in modo che possiamo procedere immediatamente con il prestito.
Nome:
Importo necessario:
Durata:
nazione:
Scopo del prestito:
Reddito mensile:
Numero di telefono:
Contattaci con i dettagli di cui sopra sulla nostra e-mail: christywalton355@gmail.com
Saluti a tutti voi.@@
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PRESTITO IMMEDIATO
BUONGIORNO, COME STAI ?
Sono il sig. Domenico Manzo un prestatore privato certificato e riconosciuta in Italia dal governo italiano, vi offro un credito subito.
Credito e investimento per sostenere ed accompagnare la realizzazione dei vostri progetti, otieni importo di 2.000,00 euro a 10 000.000,00 euro.
E-mail: domenico.manzo04@gmail.com Whatsapp:(+39) 348 696 4628
Prestito rassicurare, affidabile e molto Sicuro
Grazie
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Salve sono un mediatore creditizio tra privati,
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