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Loan 18637310-01

Loan Details

Country Poland
Loan Type Personal loan
Mintos Risk Score
Defaulted

Investment or selling activities related to the loans issued by a specific lending company are not possible anymore on the Mintos Primary and Secondary Markets.

SW
D
Loan Amount € 2 827.20
Remaining Principal € 0.00
The loan was issued in a different currency. This means the lending company is assuming a currency exchange risk when it forwards borrower repayments to the investor. If the currency of the loan devalues significantly against the currency of the loan on the platform, the lending company's ability to transfer amounts due to the investor might be impacted.

Original Loan Currency

PLN
APR is not always the most representative measure of the cost of borrowing, therefore, Mintos shows effective APR. This is a unified measure among all loan originators on the platform. To calculate the effective APR, the methodology called XIRR (extended internal rate of return) is used, which is further adjusted to exclude compounding effects. Effective APR is calculated based on the cash flows charged to the borrower which includes principal, interest and any fees charged on a single loan basis, whether they are compulsory or not or are charged by a third party.

Effective APR charged to borrowers

72.6%
Interest Rate 15.2%
Initial LTV -
LTV is calculated using current outstanding loan balance against collateral value as of a moment when the loan was issued.

LTV

-
Schedule extension No
Amortization Method full
Listing Date 09.07.2019
Date of Issue 09.07.2019
Closing Date 03.01.2022
Status Finished prematurely

Investment Breakdown

The legal entity that offers investors the opportunity to invest in its loans that it has issued.

Lending Company

CAPITAL SERVICE
The lending company or group

Group

Capital Service

This loan comes with a buyback obligation. The loan will be bought back from investors if it becomes 60 or more days delinquent.

  • Borrower
  • Payment Schedule
  • Investment Breakdown

  • Borrower Details

    Borrower
    Country Poland
  • Date Principal Interest Total Payment Received Payment Date Status
    31.07.2019 € 62.83 € 26.26 € 89.09 € 89.09 31.07.2019 Paid
    02.09.2019 € 62.83 € 38.52 € 101.35 € 101.35 02.09.2019 Paid
    01.10.2019 € 62.83 € 33.08 € 95.91 € 95.91 02.10.2019 Paid
    04.11.2019 € 62.83 € 37.88 € 100.71 € 100.71 05.11.2019 Paid
    02.12.2019 € 62.83 € 30.45 € 93.28 € 93.28 03.12.2019 Paid
    02.01.2020 € 62.83 € 32.89 € 95.72 € 95.72 03.01.2020 Paid
    03.02.2020 € 62.83 € 33.11 € 95.94 € 95.94 03.02.2020 Paid
    02.03.2020 € 62.83 € 28.22 € 91.05 € 91.05 02.03.2020 Paid
    01.04.2020 € 62.83 € 29.44 € 92.27 € 92.27 01.04.2020 Paid
    04.05.2020 € 62.83 € 31.51 € 94.34 € 94.34 04.05.2020 Paid
    01.06.2020 € 62.83 € 26.00 € 89.07 € 0.02 Late - Partially paid
    01.07.2020 € 62.83 € 27.06 € 89.89 € 0.00 Late
    03.08.2020 € 70.67 € 28.89 € 99.56 € 0.00 Late
    01.09.2020 € 117.80 € 24.52 € 142.32 € 0.00 Late
    01.10.2020 € 117.80 € 23.87 € 141.67 € 0.00 Late
    02.11.2020 € 117.80 € 23.87 € 141.67 € 0.00 Late
    01.12.2020 € 117.80 € 20.19 € 137.99 € 0.00 Late
    04.01.2021 € 117.80 € 21.98 € 139.78 € 0.00 Late
    01.02.2021 € 117.80 € 16.71 € 134.51 € 0.00 Late
    01.03.2021 € 117.80 € 15.32 € 133.12 € 0.00 Late
    01.04.2021 € 117.80 € 15.42 € 133.22 € 0.00 Late
    04.05.2021 € 117.80 € 14.77 € 132.57 € 0.00 Late
    01.06.2021 € 117.80 € 11.14 € 128.94 € 0.00 Late
    01.07.2021 € 117.80 € 10.44 € 128.24 € 0.00 Late
    02.08.2021 € 117.80 € 9.55 € 127.35 € 0.00 Late
    01.09.2021 € 117.80 € 7.46 € 125.26 € 0.00 Late
    01.10.2021 € 117.80 € 5.97 € 123.77 € 0.00 Late
    02.11.2021 € 117.80 € 4.77 € 122.57 € 0.00 Late
    01.12.2021 € 117.80 € 2.88 € 120.68 € 0.00 Late
    03.01.2022 € 117.77 € 1.64 € 119.41 € 0.00 Late