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众筹P2P - 德国理财网

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众筹1

尤其是自营者和自由职业者能够通过这种个人借贷方式获得帮助,因为很多银行会以这个人群收入不稳定为由而拒绝他们的贷款申请。此外,对于收入中下等的雇员、退休人士、大学生和公务员来说,众筹也不失为一种很好的借贷手段。资金丰厚的借贷人则可以通过正常的银行消费贷款来满足自己的借贷需求。

德国规模最大的两家网络众筹平台分别是auxmoney和Lendico:

点击下面图片进入auxmoney官网:

 auxmoney - Geldanlage mit hoher Rendite? - Die Träume von anderen!

点击下面图片进入Lendico官网:

Lender Leaderboard 728x90 gif

众筹投资的优点:
 高利息: 房地产项目的众筹投资通常可以为投资者带来5-7%的年收益。
 透明及直接的融资模式。
 于传统的房地产基金相比众筹投资者对投资项目有深入了解,可以随时关注房地产项目的建筑进程。
 风险分散:众筹投资的另一点巨大优势在于,投资者可以以小额投资参股。投资者完全可以自己将资金分别投到不同的项目中去,以分散投资风险。
 相对较短的借贷时段:与传统的项目投资相比,众筹投资的借贷时段通常较短,一般在1年至3年左右。
 费用较低:众筹集资的管理费用结构大大低于房地产基金。节省下的管理费用会作为利息支付给投资者。

众筹投资者需注意以下事项:
 投入资本的完全损失:大多数的众筹投资不具备首先偿付资格,也就是说,众筹投资者在偿付顺序上要后于银行机构。
 众筹投资人一般对项目无话语权。
 众筹投资者不能提前解除合同。

 

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