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Claim 49288482-01

Loan Details

Country Latvia
Loan Type Personal loan
Mintos Risk Score
Subscore
Loan portfolio performance
9.0
Loan servicer efficiency
8.7
Buyback strength
9.7
Cooperation structure
5.5
8.7
Loan Amount € 650.00
Remaining Principal € 0.00
Effective APR charged to borrowers 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.
20.7%
Interest Rate
14.0%
Initial LTV -
LTV LTV is calculated using current outstanding loan balance against collateral value as of a moment when the loan was issued.
-
Amortization Method Full
Date of Issue 07.04.2022
Closing Date 05.05.2025

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

Investment Breakdown

Lending Company The legal entity that offers investors the opportunity to invest in its loans that it has issued.
AS DelfinGroup
Group The lending company or group
DelfinGroup

Borrower Details

Borrower
Liability € 0
Occupation Strādājošs
Loan Purpose bigger_purchase
Country Latvia