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06-11-2018, 11:25 PM
#3991
yeah, nah
Attachment 10130
Have to include some detail or I can't post a single image...
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06-11-2018, 11:31 PM
#3992
yeah, nah
Looks like E grade is the major influencing grade.
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07-11-2018, 08:48 AM
#3993
yeah, nah
Income ratio may not be overly useful, but it appears that just Income (combined) is:
Attachment 10134
Somewhat obvious I guess...
Last edited by myles; 07-11-2018 at 10:07 AM.
Reason: typo
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07-11-2018, 10:01 AM
#3994
Member
Originally Posted by myles
Loan to income ratio may not be overly useful, but it appears that just Income (combined) is:
Attachment 10134
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.
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07-11-2018, 10:10 AM
#3995
Member
thanks too for the all the repayment to income charts. They are certainly very helpful.
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07-11-2018, 10:21 AM
#3996
yeah, nah
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 10:23 AM.
Reason: clarification
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07-11-2018, 01:17 PM
#3997
Member
Originally Posted by myles
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).
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09-11-2018, 08:05 AM
#3998
yeah, nah
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 09:08 AM.
Reason: link changed?
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09-11-2018, 09:23 AM
#3999
Originally Posted by myles
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
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09-11-2018, 09:40 AM
#4000
yeah, nah
Originally Posted by beacon
Hmmm, a poorly researched opinion piece that perhaps has some bias...brokerage...
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