Loan 29637141-01

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 1 177.55
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

85.1%
Interest Rate 15.7%
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 29.01.2020
Date of Issue 28.01.2020
Closing Date 28.07.2021
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

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
    28.02.2020 18.69 15.41 34.10 34.10 29.02.2020 Paid
    30.03.2020 18.69 15.67 34.36 34.36 31.03.2020 Paid
    28.04.2020 18.69 14.42 33.11 33.11 30.04.2020 Paid
    28.05.2020 18.69 14.67 33.36 0.00 Late
    29.06.2020 39.71 15.39 55.10 0.00 Late
    28.07.2020 81.77 13.45 95.22 0.00 Late
    28.08.2020 81.77 13.27 95.04 0.00 Late
    28.09.2020 81.77 12.16 93.93 0.00 Late
    28.10.2020 81.77 10.70 92.47 0.00 Late
    30.11.2020 81.77 10.59 92.36 0.00 Late
    28.12.2020 81.77 7.99 89.76 0.00 Late
    28.01.2021 81.77 7.74 89.51 0.00 Late
    01.03.2021 81.77 6.85 88.62 0.00 Late
    29.03.2021 81.77 4.99 86.76 0.00 Late
    28.04.2021 81.77 4.28 86.05 0.00 Late
    28.05.2021 81.77 3.21 84.98 0.00 Late
    28.06.2021 81.77 2.21 83.98 0.00 Late
    28.07.2021 81.84 1.07 82.91 0.00 Late