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AVERTISSEMENTLend money on a crowdfunding site is at risk of default and requires immobilization of your savings.
Younited Credit lends small amounts of money to individuals. These loans are financed by people with the professional investor status:http://www.pret-dunion.fr/un-nouvel-investissement-performant-pour-votre-epargne#investisseurqualifie
This means that an individual can not invest without that status, reserved for connoisseurs in the field of bank / investment (or having worked with a large portfolio of over 500 000).
For the average person it is necessary to see this site as a site that made a loan.
Credit Younited has changed its name (it was called earlier Prêt d'Union) but he wants to conquer the Italian and Spanish markets in addition to the French market, a change was needed in terms of branding. This company has permission to practice his activity in the 3 countries mentioned.
This means that an individual can not invest without that status, reserved for connoisseurs in the field of bank / investment (or having worked with a large portfolio of over 500 000).
For the average person it is necessary to see this site as a site that made a loan.
Credit Younited has changed its name (it was called earlier Prêt d'Union) but he wants to conquer the Italian and Spanish markets in addition to the French market, a change was needed in terms of branding. This company has permission to practice his activity in the 3 countries mentioned.
| Platform type | Lending platform / |
| Minimum deposit | 10000 € |
| Royalties | 3 - 6% |
| Estimated already lent amount (in millions) | >100 M |
| Accessible to individual investors | |
| To whom lends this platform money? | Lends to individuals / |
| Payment solutions | |
| Language | french, spanish, portugese, italian |
| Monitored since | 2923 days |
| Payments reported on NBR | 13 792,30 $ |
| Accepted countries | France |
Six in number, the statutes reflect the trust we place in the payment reliability of a rewarding site. This rating depends on the payment testimonials reported on by the members as well as the informed opinions of the administrators and moderators.
| legit | Some payment testimonials from many members |
| promising | Some payment testimonials from some members |
| new | Default status |
| doubtful | Doubt on the payment reliability |
| scam | Not paying or not paying soon |
| closed | Inactive or missing site |
3
1 Opinions on 3 comments
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Amount received : 12890€
Je suis investisseur sur cette plateforme depuis septembre 2013.Au départ seules des obligations étaient disponibles. Désormais, finies les obligations mais des fonds communs de titrisation sont proposés.
De 2013 à 2015, cette plateforme était un vrai bon plan pas trop risqué. J'ai ainsi pu recevoir un total de 12890 euros pour un investissement de 125000 euros. Rendement moyen pondéré de 6.8%.
Puis, voyant le taux de défaut augmenter, j'ai revendu progressivement toutes mes parts à partir de fin 2014 - bien m'en a pris.
Ci-dessous les rendements des 12 derniers mois (avril 2016 à avril 2017) - il s'agit de taux ne tenant pas compte de la fiscalité.
Fonds Conservateur Court: +1.61%
Fonds Conservateur Long: +2.23%
Fonds Equilibré Court: -0.28%
Fonds Equilibré Long: +2.49%
Fonds Dynamique: -0.17%
Ma recommendation: investir dès qu'un nouveau fond est mis à disposition, puis revendre dès que possible sans pénalité, afin de bénéficier à plein des taux de rendements sans être trop pénalisé par les taux de défauts qui montent mécaniquement à partir de 7/8 mois.
En conclusion: très bon plan de 2013 à 2015, aujourd'hui c'est pas forcément très interressant ni rentable vs Livret A.
| Edit. : 26/05/2017 11:33:20
adminFXR
Merci pour ce témoignage détaillé :)
Followings
85Followers
105186 years
adminFXR
Followings
85Followers
105187 years
Oui, ce site est réservé aux personnes considérées comme investisseur professionnel (en gros les particuliers habitués à placer de grosses sommes si je comprends bien).
adminFXR
C'était en réponse à @BlakeKennedy, je ne dois pas être bien réveillé ce matin lol
Followings
85Followers
105187 years
BlakeKennedy
Okay merci pour votre réponse NBR! Est ce vous avez un autre site dans le même genre avec un dépôt initial moins important? Ce site me semblais très structurée et sable. Dans les prochaine année dommage.... Ouvert à vos suggestions je vien du Canada au cas cela aurais importance @+ et merci de m'aider
Followings
10Followers
287 years
BlakeKennedy
Okay merci pour votre réponse NBR! Est ce vous avez un autre site dans le même genre avec un dépôt initial moins important? Ce site me semblais très structurée et sable. Dans les prochaine année dommage.... Ouvert à vos suggestions je vien du Canada au cas cela aurais importance @+ et merci de m'aider
Followings
10Followers
287 years
BlakeKennedy
Followings
10Followers
287 years
Est- ce qui faux absolument 10 000 pour investir au départ?