PROFITABILITY OF CROWDLENDING
The profitability obtained by the crowdlending investor depends on two factors:
- Basis rate: it´s the same for all the loans and depends on the average interest rates of the market
- Volatility and risk factor: it depends on the solvency grade of the loan.
Commitment of transparency: we want you to have all the information so you can compare and make the best choice. The Internal profitability rate (TIR) is an indicator that is used to know the profitability of your investments, taking into account the expected returns and expenses of such investment. The TIR varies according to the expiration date of the loan and the solvency of the borrower
PROFITABILITY OF CROWDLENDING WHILE INVESTING IN INDIVIDUALS
| GRADO DE SOLVENCIA | SUBGRADO | TIR 0-12 MESES | TIR 13-24 MESES | TIR 25-36 MESES | TIR 37-48 MESES | TIR 49-60 MESES |
| SOLVENCIA MUY ALTA | A1 | 3,50% | 3,85% | 4,20% | 4,55% | 4,90% |
| A2 | 4,00% | 4,40% | 4,80% | 5,20% | 5,60% | |
| A3 | 4,50% | 4,95% | 5,40% | 5,85% | 6,30% | |
| SOLVENCIA ALTA | B1 | 5,50% | 6,05% | 6,60% | 7,15% | 7,70% |
| B2 | 6,50% | 7,15% | 7,80% | 8,45% | 9,10% | |
| B3 | 7,50% | 8,25% | 9,00% | 9,75% | 10,50% | |
| SOLVENCIA MEDIA-ALTA | C1 | 8,75% | 9,63% | 10,50% | 11,38% | 12,25% |
| C2 | 10,00% | 11,00% | 12,00% | 13,00% | 14,00% | |
| C3 | 11,25% | 12,38% | 13,50% | 14,63% | 15,75% | |
| SOLVENCIA MEDIA | D1 | 12,75% | 14,03% | 15,30% | 16,58% | 17,85% |
| D2 | 14,25% | 15,68% | 17,10% | 18,53% | 19,95% | |
| D3 | 15,75% | 17,33% | 18,90% | 20,48% | 22,05% |
PROFITABILITY OF CROWDLENDING WHILE INVESTING IN COMPANIES
| GRADO DE SOLVENCIA | SUBGRADO | TIR 0-12 MESES | TIR 13-24 MESES | TIR 25-36 MESES | TIR 37-48 MESES | TIR 49-60 MESES |
| SOLVENCIA MUY ALTA | A1 | 2,65% | 2,92% | 3,18% | 3,45% | 3,71% |
| A2 | 3,15% | 3,47% | 3,78% | 4,10% | 4,41% | |
| A3 | 3,65% | 4,02% | 4,38% | 4,75% | 5,11% | |
| SOLVENCIA ALTA | B1 | 4,15% | 4,57% | 4,98% | 5,40% | 5,81% |
| B2 | 4,65% | 5,12% | 5,58% | 6,05% | 6,51% | |
| B3 | 5,15% | 5,67% | 6,18% | 6,70% | 7,21% | |
| SOLVENCIA MEDIA-ALTA | C1 | 6,40% | 7,04% | 7,68% | 8,32% | 8,96% |
| C2 | 7,65% | 8,42% | 9,18% | 9,95% | 10,71% | |
| C3 | 8,90% | 9,79% | 10,68% | 11,57% | 12,46% | |
| SOLVENCIA MEDIA | D1 | 10,40% | 11,44% | 12,48% | 13,52% | 14,56% |
| D2 | 11,90% | 13,09% | 14,28% | 15,47% | 16,66% | |
| D3 | 13,40% | 14,74% | 16,08% | 17,42% | 18,76% |