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15-11-2019, 06:05 PM
#4441
Member
Originally Posted by Toukshare
wow, I hope it's not a F5
Thats true, could be worse! and btw congrats for hitting the 10k mark, in only a few months
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16-11-2019, 10:49 AM
#4442
Member
Originally Posted by leesal
accidently took out a loan for $1100
Yep, I once got distracted and mixed units with $'s having just been on Lending Crowd and ended up with 25x what I wanted!
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17-11-2019, 10:53 PM
#4443
Member
Originally Posted by RMJH
Yep, I once got distracted and mixed units with $'s having just been on Lending Crowd and ended up with 25x what I wanted!
I'm hoping it rewrites quick and keeps up with payments :/
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18-11-2019, 08:20 PM
#4444
Member
Screen Shot 2019-11-18 at 8.10.08 PM.jpg
Three months invested in Harmoney, hoping to get to about $14,000 in by end of year. Displayed RAR hasn't quite reflected my actual RAR yet, waiting on a bit more interest to come in. Any tips from anyone on what you think the best Auto-Lend filter settings are? Cheers.
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19-11-2019, 09:16 AM
#4445
Member
Originally Posted by TobyPascoe92
Screen Shot 2019-11-18 at 8.10.08 PM.jpg
Three months invested in Harmoney, hoping to get to about $14,000 in by end of year. Displayed RAR hasn't quite reflected my actual RAR yet, waiting on a bit more interest to come in. Any tips from anyone on what you think the best Auto-Lend filter settings are? Cheers.
I don't use auto-lend, but if you search this thread you'll find some good content. Myles in particular indicates his criteria for selection.
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19-11-2019, 09:22 AM
#4446
Member
Supposedly Harmoney has changed the grading system... So a B5 loan of yesterday is no longer the B5 loan of today.
Does this resonate? I came across this dubious B5, and can't see too much evidence of a difference between the grading on 1.6 and 1.5. So am wondering if there was validity to this claim?
Annotation 2019-11-19 091408.png
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19-11-2019, 04:41 PM
#4447
Member
ScreenHunt.jpg
12 months and the wholesale (owners & institutions) RAR has increased by nearly 1% while the retail (us mugs) RAR has declined slightly. I suspect that the "better" loans are being cherry picked for the owners?
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20-11-2019, 02:01 PM
#4448
Member
Originally Posted by leesal
Supposedly Harmoney has changed the grading system... So a B5 loan of yesterday is no longer the B5 loan of today.
Does this resonate? I came across this dubious B5, and can't see too much evidence of a difference between the grading on 1.6 and 1.5. So am wondering if there was validity to this claim?
Annotation 2019-11-19 091408.png
Wow, the repayment to income ratio is scary!!!
Apart from that, I guess as a borrower he seems not too bad - homeowner of 13 years with stable job and history of repayments. If he's a B5 I agree nothing much has changed, I would have expected him/her to be a lower B in the new grading system.
I just think he's just borrowing too much.
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22-11-2019, 06:42 PM
#4449
Member
Originally Posted by Toukshare
Wow, the repayment to income ratio is scary!!!
Apart from that, I guess as a borrower he seems not too bad - homeowner of 13 years with stable job and history of repayments. If he's a B5 I agree nothing much has changed, I would have expected him/her to be a lower B in the new grading system.
I just think he's just borrowing too much.
There's this too.
Attachment 10860
I just tend to take a small piece of everything. Just to get the benefit of the information... But within reason
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23-11-2019, 07:06 AM
#4450
Originally Posted by leesal
There's this too.
Attachment 10860
I just tend to take a small piece of everything. Just to get the benefit of the information... But within reason
Basic benefit is $ 210 a week , living with parents unlikey to be accomodation supplement on top ..... I can't see how Harmony can put up a loan like this - surely it does not comply with the responsible lending code.......
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