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Thread: Harmoney

  1. #3991
    yeah, nah
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    d_income_r_F.jpg
    Have to include some detail or I can't post a single image...

  2. #3992
    yeah, nah
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    Looks like E grade is the major influencing grade.

  3. #3993
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    Income ratio may not be overly useful, but it appears that just Income (combined) is:

    d_income.jpg

    Somewhat obvious I guess...
    Last edited by myles; 07-11-2018 at 09:07 AM. Reason: typo

  4. #3994
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    Quote Originally Posted by myles View Post
    Loan to income ratio may not be overly useful, but it appears that just Income (combined) is:

    d_income.jpg

    Somewhat obvious I guess...
    Myles, thanks again.

    One of my criteria was not to invest if the combined income is less than $2000. Maybe I should now bump that to $2500.

  5. #3995
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    thanks too for the all the repayment to income charts. They are certainly very helpful.

  6. #3996
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    Probably higher? Perhaps it is a case of having to have a minimum income to put food on the table and pay the bills before being able to reliably pay off a loan, irrespective of the loan/repayment size? Over $60,000pa looks to be a bit of a threshold point?
    Last edited by myles; 07-11-2018 at 09:23 AM. Reason: clarification

  7. #3997
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    Quote Originally Posted by myles View Post
    Probably higher? Perhaps it is a case of having to have a minimum income to put food on the table and pay the bills before being able to reliably pay off a loan, irrespective of the loan/repayment size? Over $60,000pa looks to be a bit of a threshold point?
    The trouble with cutting it too high is the reduction in the number of loans available to invest in. You may also end up with just the safer grades of A and B with lower interest too. So hard finding the sweet spot (range).

  8. #3998
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    A positive story for Harmoney:

    Licensed P2P lender Harmoney says it has facilitated loans across New Zealand and Australia valued at $1 billion

    with the typical ill-informed/disgruntled Harmoney bashers coming out in the comments...
    Last edited by myles; 09-11-2018 at 08:08 AM. Reason: link changed?

  9. #3999
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    Quote Originally Posted by myles View Post
    A positive story for Harmoney:

    Licensed P2P lender Harmoney says it has facilitated loans across New Zealand and Australia valued at $1 billion

    with the typical ill-informed/disgruntled Harmoney bashers coming out in the comments...
    https://www.chrislee.co.nz/taking-stock exhibits negative sentiments too. But we hope Harmoney goes from strength to strength as a P2P and alternative funding source for the community

  10. #4000
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    Quote Originally Posted by beacon View Post
    https://www.chrislee.co.nz/taking-stock exhibits negative sentiments too. But we hope Harmoney goes from strength to strength as a P2P and alternative funding source for the community
    Hmmm, a poorly researched opinion piece that perhaps has some bias...brokerage...

  11. #4001
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    Quote Originally Posted by beacon View Post
    https://www.chrislee.co.nz/taking-stock exhibits negative sentiments too. But we hope Harmoney goes from strength to strength as a P2P and alternative funding source for the community
    Hardly impartial. They won't be getting a single cent of my money!

  12. #4002
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    I recall that Chris Lee brokered investments in questionable finance companies pre the 08 debacle. I think I'll keep my own counsel on what makes a satisfactory investment.

  13. #4003
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    Anyone else has their rar missing from dashboard?

  14. #4004
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    Quote Originally Posted by bung5 View Post
    Anyone else has their rar missing from dashboard?
    Yes. This has happened in the past too

  15. #4005
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    Quite possibly the worst HM loan I've ever seen

    Capture.JPG

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