Zopa.com: loans between persons
The idea is seemingly simple. Till now, we had on the one hand clients borrowing money to the bank and, on the other hand, another group of clients leaving money to the bank. Well, it is a question of avoiding this intermediation of the financial institution and that the persons give themselves money straight between them, without happening for the bank.
Zopa.com another fruit is more of the Web 2.0 and the social networks, in this case applied to the field of the loans, a species of P2P, something like ‘exchange of money’ instead of ‘exchange of files’. Cripple is the acronym of ‘zone of possible agreement’ or ‘area of possible agreement’.
The banks, in addition to many offices and personnel support, have to manage every year to announce his grades numbers of benefits, and this money has to go out of some place. In Cripple they say to be more efficient than the traditional banking, doing that so much those who are big enough like those that they borrow better interest rates obtain. They only take 1 % of the given quantity.
Of course, here also they study the claimants of the loan and calculate his risk as in a normal bank. The same loan can be distributed between several persons diminishing this way the risk. Also, they are provided with the same hardware as a bank in case of non-payment and at the time of recovering a debt.
Apart from the fact that Cripple it could offer better conditions for some and others, this system speaks to these people who is full with fighting with the banks and that prefers that his money goes straight to another person and not to the big number of annual benefits of the bank of shift.
Cripple is a company of the United Kingdom but they have already received proposals to open in more than 50 countries. Do you believe that something like that might work in Spain or any Latin-American country?
at 3:12 pm
Since I like very much, very simply and revolutionary at the same time. Not if this will go so far as to work really but I whenever I go to the bank or see the extracts me one have left expensive of idiot with commissions, guys and the milongas that tell me as if they should do a favor to me.
at 9:32 pm
I not but it will be necessary to invent something because we fighting with the banks to obtain a reduction of one tenths and then they keep on doing box by means of http://www.cincodias.com/ultim.....60975/Tes/ well
incredible
at 3:52 pm
I want to know when it was beginning producing this loans system, be PROSPER OR CRIPPLE, in Latin America or in colombia. Do they give in this moment persons in these countries?
at 6:37 pm
Juan, it seems that at the moment Prosper only works in USA and Cripple in the United Kingdom, USA, Italy and Japan. Cripple it seems that it is the one that is expanding little by little to other countries, but there is not known all that can be late in coming to Latin America.
at 7:56 pm
good my name esfelix gutierrez I would like more information about the loan and if it is possible in venzuela since I believe that it would be an innovation which it is me who might enlasar with you
at 8:08 pm
he asks: it applies mexico it would be fantastic as that the credit bureau has us for 15 years as to me as the others unjustly. for charges to credit card in a city that not conosco.
at 6:27 pm
I believe that this is a formidable way of ending with the long bureaucratic processes and the abuses that commit the banks with the clients.
at 5:43 pm
It looks like to me a brilliant idea and that would come very well to give him support to many commerce, I would like to know if for someone in colombia it is possible to gain access to this service to him.
at 12:20 am
It seems slightly brilliant to me, I am from Peru I would like to know when they began to operate here in my country.
We are a young husbands couple, that we have wanted to obtain a credit in the banks, but they have not facilitated the things to us and it has turned out to be difficult to request to us we are big enough. For it it would be very indispensable that there is here a cripple head office to support the persons who need this service.
at 7:42 pm
hello. this proposal is brilliant, it is a good push so that many persons tackle a project, and to be able to be provided with a good money, or renobar his house, his car … anyway is very good, I hope here in Argentinian they will implement it some day!!!
at 3:57 pm
we are a familiar Pyme in the service and distribution of stores of
it manages in materials handling, with bue nowhow, we have problems
financiers for lack of capital we have lost 50 % of our sales
in the yltimos six months, we need a leverage finenciero of
€ 100.000 with 50 % to refinance the debt to 5 years and 50 % for capital of
I work, we have gross profitability of more than 45 % and expenses of maximi 25 %
cripple would be a solution