Empréstimos P2p Com A Viventor

Dav7

Member
Recebi as duas prestações previstas para este mês dos dois únicos empréstimos que tenho ativos de momento.

Entretanto só hoje vi o novo dashboard com novas tabelas para analisarmos a nossa conta, esta é a minha:



Comecei com um depósito de 50€ que já vai transformado em 250€ porque tenho estado sempre a reinvestir os ganhos.
 

Dav7

Member
Foi adicionado um novo parceiro à Viventor, chama-se Presto e vem do mercado de créditos de Espanha.

A Presto oferece uma linha de crédito a privados até 2.000€ de limite. Pretendem aumentar o seu volume de negócios em 2018 quando introduzirem a e-wallet e novas opções de cartões, ao mesmo tempo que pretendem expandir para outros países.

Em relação à Viventor, a Presto será a primeira companhia a oferecer o Payment Guarantee para os seus empréstimos. Isto significa que no caso de o mutuário não pagar a parcela mensal no prazo, a Presto cobrirá o próprio pagamento. Além disso, a Presto manterá 5% de participação em cada empréstimo, tornando seus empréstimos uma oportunidade de investimento ainda mais segura e atrativa.
 

Dav7

Member
Dear David,​
We know doing your taxes can be complicated and time consuming, thus we have developed an automated tax functionality to make it easier for you.​
We are rolling out the new feature on 1st of April, 2019. In cooperation with our Spanish lenders: Twinero, Presto and Seymoure, taxes on interest earned will be withheld at source, meaning that you will receive NET interest.​
What does it mean for me?
This means that you will receive NET interest and you will not need to pay taxes on the interest earnings received from Twinero, Presto and Seymoure, as they will already be covered by the Loan Originator.​
What is the Tax rate applied to investments in Twinero and Presto loans?
19% on the interest earned.
Example: You invest EUR 101 in a 30-day 12%p.a. Twinero loan on April 1st. The loan is repaid exactly after 1 month on May 1st. On the payment date you should receive back your initial investment of 101 EUR and EUR 1.00 in interest on which the 19% tax is applied. This would result in NET interest earnings of 1.00-0.19=0.81 EUR​
When will the tax be applied?
The tax will be automatically withheld at the moment when you receive your interest for investments in Twinero, Presto or Seymoure loans. The taxes are paid on quarterly basis about the interest earned throughout the period and is reported and paid to the Spanish Central Bank. Tax withheld will be shown on your dashboard and reported as a separate transaction in your Account Statement.​
How do I know how much I have to report to my tax authority?
When reporting your taxes, you can generate a Tax Report under your Account Statement. The bottom line “Taxes Withheld” indicates the cumulative withheld amount for the period. This will be deducted from your total earnings and it will indicate what is the remaining GROSS amount you have received and on which you have to pay the taxes on.​
In case of any questions, don't hesitate to contact us!​
Financially yours,
Viventor Team
 
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