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Fair loans from one person to another.
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Suomen Vahvimmat Platina The annual percentage rate of interest is determined based on the applicant’s credit rating and the chosen payment terms. The loan term varies between 2 to 5 years. The nominal interest rate is between 6-27%. The annual percentage rate of interest varies from 14,99% to 50,00%. Example: A loan amount of 5 000 €, the loan period is 2 years and the nominal interest rate is 14%, the transaction fee 5,50 €/month, the opening fee 375 € and the brokerage fee 200 €. The effective annual interest rate is 31,91%, making the monthly instalment 253,90 € and the total amount to be paid 6093,54 €.

Peer-to-peer lending is the oldest form of lending

The companies that offer peer-to-peer loans have based their business concept upon an ancient principle: that people lend money to each other. In English this is called either P2P lending or peer-to-peer lending. With the help of state-of-the-art technique it is today much easier to connect people who need to borrow money with people who want to lend money than it was before. Some companies within the business are specialized in mediating loans to small businesses instead of to private individuals and therefore the loan type is related to the phenomenon crowd sourcing. All these kind of loans and investments are part of a larger development where new ways of financing develop alongside banks and other traditional financing institutions. This is called sharing economy.

PART OF THE SHARING ECONOMY

We are part of the global sharing economy – a phenomenon in which completely new forms of financing are growing alongside the banks and traditional financial institutions. We only pass on existing money so we are in favour of a more stable and secure economy.

FROM ONE PERSON TO Another

Peer-to-peer loans are based on an ancient business idea – as long as there has been money as a payment method, people have lent each other money. Fixura connects those who want to borrow money with lenders who want to lend money at same conditions. People have throughout the time lent money to each other. This is what Peer-to-peer lending is all about: one person lending money to another person. Fixura connects those who want to borrow money with those who want to lend money and takes care of the paperwork for both parties.

AN OLD WAY TO BORROW MONEY

The Fixura webpages connect people who want to borrow money with people who are willing to invest their money in loans. The borrowers and the lenders agree on the conditions of the loans, but they remain anonymous and Fixura takes care of all the necessary paper work.

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