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HomePeer to Peer LendingMortgage portfolio overview (March of 2022)

Mortgage portfolio overview (March of 2022)

As we predicted, the full funded quantity in March was just like February. Our traders financed €16,7M price of loans and, regardless of macroeconomic modifications, investor and borrower habits stays steady. Throughout March, Estonia and Germany once more carried out nicely, every contributing 30% of the full mortgage quantity. 

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Mortgage repayments amounted to half of these in February (€5,4M, 19 loans). The diploma of volatility is reflective of seasonality and never fee issues, and we count on repayments to enhance within the second quarter.

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The default price decreased to five,0% and is now according to the long-term goal price we set internally. This was primarily resulting from sturdy debt administration in Estonia, the place one mission’s full principal quantity was recovered (€0,9M). The remainder (curiosity, penalties and so forth) might be obtained by our traders following the profitable conclusion of ongoing authorized disputes.

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As of 12.04.2022   
Whole financed loans since 2014 €550,8M
Whole repaid loans since 2014 €304,9M
Whole excellent portfolio €245,8M
Whole excellent defaulted loans €12,4M 
Whole variety of excellent defaulted loans 48
Default price (excellent loans) 5,0%
Partially recovered loans price (excellent loans) 1,6%
Default price (whole financed loans) 2,3%
Whole quantity of recovered loans (together with partially) €17,0M
Whole variety of absolutely recovered loans 98
Common return price of absolutely recovered loans 9,5%
Common time from default to restoration 8,9 months
Write-off price (whole financed loans) 0,007%

We’ll maintain you knowledgeable concerning the credit score portfolio high quality month-to-month.



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