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The following article was published in our article directory on February 17, 2012.
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How to Enjoy the Best Rate of Return on Peer-to-Peer Lending

Article Category: Finances

Author Name: chickie maxwell

Peer-to-peer lending has become an increasingly popular way for investors to get a higher rate of return than they would get from traditional investments such as stocks or bonds. Also known as P2P lending, peer-to-peer lending has allowed many people who would otherwise not have any access to credit to get personal loans to finance small businesses or meet other needs. P2P sites match borrowers with lenders willing to lend them money, and take a small charge from both parties. While interest rates can be high depending on the creditworthiness of the borrower, in general they are lower than the equivalent bank loans.

To start lending on a peer-to-peer lending site you will have to register for an account, and then link your bank account to it. Once the account is fully set up and your bank account details verified, you can begin depositing money into your lending account. You can choose which specific borrowers you would like to lend money to or allow the system to choose loans for you based on the criteria you ve chosen. Once the loan has been completed, principal and interest repayments will be deposited into your bank account or you can choose put the money back to your lending account for reinvestment.

One of the most important things you should consider when investing in a P2P lending site is that your rate of return will go down from month to month as the loan is gradually repaid. So if you invest in a loan that pays 10|don t expect to continue receiving 10|after the first month. For example, the rate of return may be 9.8|on the second month, 9.5|the third month and so on. This is why you should continue to reinvest your money by returning it to your lending account in order to maximize the gains on your investment. You should also take the time to study how peer-to-peer lending works before you commit a lot of money to your account. You can start by venturing just the minimum amount allowed in order to study the process before investing more.

Another thing to keep in mind is that the higher the rate of interest a borrower carries, the more high-risk they are and the greater the possibility that the borrower may default on the loan. In order to minimize the risk of losing your investment, you should not only choose which borrowers you lend money to, but also spread out your investment over various borrowers who have differing profiles, i.e. lending money to borrowers with different credit scores or reasons for borrowing.

Finally, when considering your rate of return, don t just consider the absolute interest rate of the loan but also the spread or how much the rate is above similar interest rates offered by bank loans. Thus, if the bank charges 12|for a car loan but you re receiving only 10|from the P2P loan, then it is a poor investment. You should be getting several points above the bank loan or 14|for instance.

Keywords: rate of return

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