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Thread: Harmoney

  1. #4461
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    Quote Originally Posted by vernon View Post
    Yes Nothing picking up Friday now and still no auto loans on any C or D

    Time to ask Harmony I think
    Read Harmoney's information about Autolend in the FAQ.

    Autolend operates on a queue. The determinant on that queue is the % of free cash in your portfolio. So if like me your % is 3% or less you will get nothing.

    If you want to ensure autolend triggers you'll need to deposit funds into your account. I'm not sure what the best "cutoff" would be, but imagine somewhere around the 10% mark may ensure you get your autolend quota on most C/D loans.

    Failing that, HM reset autolend following scoreboard 1.6. Have you reactivated it?

  2. #4462
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    I guess it could be the time of year when Christmas bonuses are paid to employees. So maybe more loans are being repaid than are being taken up by by borrowers. Hence lender cash balances would be accumulating?

  3. #4463
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    The FMA has just published data on NZ's Peer-to-peer lending and crowdfunding for 2019
    https://www.scoop.co.nz/stories/BU19...-published.htm
    Last edited by Wsp; 07-12-2019 at 07:33 PM.

  4. #4464
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    Yes thankyou. That's exactly it. I was at 6% and was getting nothing. Boosted it up to 20% last night and I've immediately picked up several loans this morning. A pain having thousands sitting waiting at zero % but no other choice I guess.

  5. #4465
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    Quote Originally Posted by vernon View Post
    Yes thankyou. That's exactly it. I was at 6% and was getting nothing. Boosted it up to 20% last night and I've immediately picked up several loans this morning. A pain having thousands sitting waiting at zero % but no other choice I guess.
    Yes, mine is at 20% to keep the autolend functional. Agreed, it's disappointing to have so much money earning 0%, but at least it's liquid. Even accounting for the money earning nothing, my effective RAR is about 11.3%.

  6. #4466
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    % Rate Cuts @ HM today....


    HM.jpg

  7. #4467
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    Quote Originally Posted by Saamee View Post
    % Rate Cuts @ HM today....


    HM.jpg
    I think those rates have been effective from 8 Nov

  8. #4468
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    Quote Originally Posted by Toukshare View Post
    I think those rates have been effective from 8 Nov
    Not sure! Was reported only yesterday in interest.co.nz

  9. #4469
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    Happy new year everyone.

    I took 1 note for morbid curiousity. A quality B3 loan to kick the decade off!
    Attachment 10928

  10. #4470
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    I think it will suffer from morbidity alright. Perhaps the only question is: How Long? I saw this Leesal; it just confirmed my view Harmoney is sending all the garbage our way.

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