{"id":29135,"date":"2022-10-24T20:11:07","date_gmt":"2022-10-24T17:11:07","guid":{"rendered":"https:\/\/financer.ro\/?page_id=29135"},"modified":"2024-05-09T15:58:59","modified_gmt":"2024-05-09T12:58:59","slug":"investitii-p2p","status":"publish","type":"page","link":"https:\/\/financer.ro\/economii\/investitii-p2p\/","title":{"rendered":"Investi\u021bii P2P"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Cu_investiii_P2P_te_poi_bucura_de_randamente_de_pn_la_1957__pe_an\">Cu investi\u021bii P2P te po\u021bi bucura de randamente de p\u00e2n\u0103 la 19.57 % pe an<\/h2>\n\n\n\n<p>\u00cemprumuturile P2P sau peer to peer reprezint\u0103 un mijloc prin care <strong>persoane juridice sau fizice pot ob\u021bine finan\u021b\u0103ri de la utilizatorii platformelor de specialitate<\/strong>, elimin\u00e2nd institu\u021biile financiare din ecua\u021bie \u0219i, automat, clauzele \u0219i condi\u021biile impuse de acestea.<\/p>\n\n\n\n<p>\u00cen schimbul banilor \u00eemprumuta\u021bi, utilizatorii vor primi o anumit\u0103 <strong>dob\u00e2nd\u0103 fix\u0103, care cel mai adesea poate dep\u0103\u0219i 10 % pe an<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2022\/10\/p2p-1024x576.png\" alt=\"P2P\" class=\"wp-image-29163\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/p2p-1024x576.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/p2p-300x169.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/p2p-768x432.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/p2p-1536x864.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/p2p.png 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Iat\u0103 de ce, \u00een ultimii ani, persoanele interesate de domeniul financiar \u00eencep s\u0103 fie tot mai atrase de c\u0103tre investi\u021bii P2P \u00een \u00eencercarea lor de a-\u0219i diversifica portofoliul investi\u021bional.<\/p>\n\n\n\n<p><em>Echipa Financer s-a g\u00e2ndit s\u0103 vin\u0103 \u00een \u00eent\u00e2mpinarea celor interesa\u021bi de astfel de plasamente.<\/em><\/p>\n\n\n\n<p>Astfel, am realizat un tabel \u00een care <strong>compar\u0103m cele mai renumite platforme peer to peer disponibile \u00een Rom\u00e2nia<\/strong>, ce poate fi g\u0103sit la partea de sus a paginii.<\/p>\n\n\n\n<p>Printre site-urile analizate, vei g\u0103si unele ce ofer\u0103 randamente medii impresionante, <strong>ce pot atinge chiar \u0219i de 19.57 %<\/strong>. <\/p>\n\n\n\n<p>\u00cen plus, \u00een r\u00e2ndurile care urmeaz\u0103 vom \u00eencerca s\u0103 r\u0103spundem tuturor \u00eentreb\u0103rilor pe care un novice \u00een acest domeniu le-ar putea avea \u00een leg\u0103tur\u0103 cu tot ce \u021bine de P2P lending.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Lucruri_eseniale_privind_peer_to_peer_lending\">Lucruri esen\u021biale privind peer to peer lending<\/h3><ul>\n<li>\u00cemprumuturile P2P reprezint\u0103 o <strong>tehnologie financiar\u0103<\/strong> care permite celor interesa\u021bi s\u0103 \u00eemprumute sau s\u0103 acceseze credite f\u0103r\u0103 a fi nevoie s\u0103 apeleze la o institu\u021bie financiar\u0103\u00a0<\/li>\n<li>Investitorii \u0219i beneficiarii \u00eemprumuturilor <strong>sunt conecta\u021bi prin intermediul unor platforme dedicate<\/strong><\/li>\n<li>Cei ce aleg s\u0103 investeasc\u0103 \u00een \u00eemprumuturi P2P se bucur\u0103 de cele mai multe ori de <strong>dob\u00e2nzi mult mai mari fa\u021b\u0103 de cele oferite de depozitele bancare sau de titlurile de stat<\/strong><\/li>\n<li>Cei ce se \u00eemprumut\u0103 utiliz\u00e2nd peer to peer lending o fac <strong>datorit\u0103 politicii mai relaxate<\/strong> pe care o au platformele de profil \u00een compara\u021bie cu institu\u021biile financiare clasice \u00een ceea ce prive\u0219te acordarea de credite<\/li>\n<li>Dob\u00e2nzile creditelor P2P <strong>sunt mai mari<\/strong> dec\u00e2t cele oferite de c\u0103tre b\u0103nci<\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_sunt_mprumuturile_P2P\">Ce sunt \u00eemprumuturile P2P<\/h2>\n\n\n\n<p>P\u00e2n\u0103 de cur\u00e2nd, singurele op\u021biuni disponibile atunci c\u00e2nd aveai nevoie de bani suplimentari erau fie <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/imprumut-urgent-1000-euro\/\" data-type=\"page\" data-id=\"3045\">\u00eemprumuturi<\/a> oferite de rude ori prieteni, fie <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/\" data-type=\"page\" data-id=\"917\">credite<\/a> acordate de diverse institu\u021bii financiare bancare sau nebancare.<\/p>\n\n\n\n<p>Nu de mult timp, \u00eens\u0103, \u00een \u021b\u0103rile europene s-a implementat <strong>o nou\u0103 form\u0103 de creditare \u0219i anume <a href=\"https:\/\/www.investopedia.com\/terms\/p\/peer-to-peer-lending.asp\">\u00eemprumuturile P2P sau peer to peer<\/a><\/strong>.<\/p>\n\n\n\n<p><em>Ce sunt acestea?<\/em> <\/p>\n\n\n\n<p>Ei bine, un P2P lending este o <strong>alternativ\u0103 pentru cei care nu pot sau nu vor s\u0103 acceseze \u00eemprumuturi apel\u00e2nd la metodele tradi\u021bionale<\/strong>, iar nevoile lor financiare sunt acoperite de c\u0103tre una sau mai multe persoane, fizice sau juridice, dispuse s\u0103 \u00eei \u00eemprumute.<\/p>\n\n\n\n<p><em>\u00cen continuare, vom explica ceva mai pe larg sistemul de func\u021bionare al acestor instrumente.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cum_funcioneaz_un_mprumut_peer_to_peer\">Cum func\u021bioneaz\u0103 un \u00eemprumut peer to peer<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"1024\" height=\"410\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2022\/10\/peer-to-peer-1024x410.png\" alt=\"p2p landing\" class=\"wp-image-29167\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/peer-to-peer-1024x410.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/peer-to-peer-300x120.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/peer-to-peer-768x307.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/peer-to-peer-1536x614.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/10\/peer-to-peer.png 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Iat\u0103 o list\u0103 numerotat\u0103 care credem noi c\u0103 te va ajuta s\u0103 \u00een\u021belegi mai bine cum func\u021bioneaz\u0103 platformele ce se ocup\u0103 de \u00eemprumuturi \u0219i investi\u021bii P2P:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p>Persoanele ce doresc s\u0103 acceseze un \u00eemprumut \u00ee\u0219i fac cont pe o platform\u0103 P2P, iar apoi completeaz\u0103 un chestionar \u0219i un formular \u00een acest sens<\/p>\n<\/li><li><p>Angaja\u021bi ai respectivei platforme analizeaz\u0103 cererea de creditare \u0219i, dac\u0103 poten\u021bialul beneficiar respect\u0103 toate condi\u021biile impuse, seteaz\u0103 o anumit\u0103 dob\u00e2nd\u0103 anual\u0103 pentru sumele pe care acesta urmeaz\u0103 s\u0103 le acceseze<\/p>\n<\/li><li><p>Dac\u0103 debitorul este de acord cu termenii contractuali, atunci cererea de \u00eemprumut este publicat\u0103<\/p>\n<\/li><li><p>Persoanele ce doresc s\u0103 fac\u0103 investi\u021bii P2P \u00ee\u0219i fac \u0219i ei cont pe aceea\u0219i platform\u0103, dar \u00eentr-o sec\u021biune separat\u0103, dedicat\u0103 plasamentelor<\/p>\n<\/li><li><p>Ace\u0219tia pot analiza toate ofertele de creditare publicate \u0219i, dac\u0103 li se pare c\u0103 termenii oferi\u021bi, gradul de risc \u0219i valoarea dob\u00e2nzii sunt pe placul lor, atunci pot alege s\u0103 investeasc\u0103 \u00een respectivele \u00eemprumuturi<\/p>\n<\/li><li><p>Investitorii pot alege fie s\u0103 finan\u021beze ei \u00een\u0219isi integral un anumit \u00eemprumut, fie s\u0103 finan\u021beze doar o parte din acesta (de regul\u0103 minim 10 Eur), urm\u00e2nd ca restul sumei s\u0103 fie \u0219i ea suportat\u0103 de c\u0103tre al\u021bi utilizatori<\/p>\n<\/li><li><p>Odat\u0103 str\u00e2ns\u0103 \u00eentreaga sum\u0103 solicitat\u0103 de c\u0103tre debitor, banii vor fi transfera\u021bi \u00een contul s\u0103u, urm\u00e2nd ca el s\u0103 fac\u0103 pl\u0103\u021bi lunare\/ semi-anuale c\u0103tre platform\u0103 p\u00e2n\u0103 la stingerea datoriei<\/p>\n<\/li><li><p>La primirea banilor, platforma va distribui c\u0103tre investitori partea lor din \u00eemprumut plus dob\u00e2nda aferent\u0103, conform scaden\u021barului de plat\u0103<\/p>\n<\/li><\/ol><\/div>\n\n\n<p>Investi\u021biile sunt realizate din contul t\u0103u personal pe care \u00eel deschizi pe platformele de specialitate.<\/p>\n\n\n\n<p>Dup\u0103 \u00eenregistrarea contului, acesta <strong>poate fi alimentat cu bani de pe orice card de credit sau de debit aflat \u00een posesia ta<\/strong>.<\/p>\n\n\n\n<p>Cel mai adesea vei avea de ales din c\u00e2teva zeci sau poate chiar sute de \u00eemprumuturi care a\u0219teapt\u0103 finan\u021bare.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Ini\u021biatorii \u00eemprumuturilor pot fi fie diverse institu\u021bii financiare care ofer\u0103 c\u0103tre platform\u0103 propriile \u00eemprumuturile spre finan\u021bare, fie platforma \u00eens\u0103\u0219i poate ac\u021biona ca ini\u021biator al unor credite.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_poi_face_bani_din_investiii_n_peer_to_peer\">Cum po\u021bi face bani din investi\u021bii \u00een peer to peer<\/h2>\n\n\n\n<p>A\u0219a cum am prezentat \u0219i mai devreme, prin peer to peer lending <strong>se pot genera c\u00e2\u0219tiguri frumu\u0219ele<\/strong>, net superioare unor produse ceva mai tradi\u021bionale, de tipul <a href=\"https:\/\/financer.ro\/wiki\/titluri-de-stat\/\" data-type=\"wiki\" data-id=\"3094\">titlurilor de stat<\/a> sau a <a href=\"https:\/\/financer.ro\/wiki\/dobanzi-depozite\/\" data-type=\"wiki\" data-id=\"3345\">depozitelor bancare<\/a>.<\/p>\n\n\n\n<p>La partea de sus a paginii vei reg\u0103si un tabel pe care l-am creat din dorin\u021ba de a compara cele mai celebre platforme de P2P din Rom\u00e2nia.<\/p>\n\n\n\n<p>Dup\u0103 cum vei putea observa \u0219i singur, am introdus 10 astfel de site-uri, ce ofer\u0103 utilizatorilor lor randamente anuale medii<strong> cuprinse \u00eentre 11 % \u0219i 19.57 %<\/strong>. Cifre destul de frumoase, nu-i a\u0219a?<\/p>\n\n\n\n<p>Mare parte a \u00eemprumuturilor disponibile pe platformele prezentate vin cu <strong>dob\u00e2nzi anuale de minim 10 %<\/strong>, ceea ce reprezint\u0103 un win-win pentru ambele p\u0103r\u021bi implicate.<\/p>\n\n\n\n<p>Pentru beneficiari, un credit de nevoi personale cu dob\u00e2nd\u0103 anual\u0103 de 10 % este unul relativ ieftin, iar pentru investitori, un randament de 10 % este mai mult dec\u00e2t decent.<\/p>\n\n\n\n<p>Mai jos vom prezenta ce ai de f\u0103cut pentru a putea beneficia \u0219i tu de pe urma unor astfel de plasamente. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Investete_n_peer_to_peer_lending_Romnia_n_5_pai_simpli\">Investe\u0219te \u00een peer to peer lending Rom\u00e2nia \u00een 5 pa\u0219i simpli<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"alege-platforma\">1. Alege o platform\u0103<\/h4>\n\n\n\n<p>Primul pas este s\u0103 alegi o platform\u0103 de P2P. Dar cum \u00een \u021bara noastr\u0103 sunt cel pu\u021bin 25 site-uri disponibile, cum \u0219tii spre ce platform\u0103 s\u0103 te \u00eendrep\u021bi? Ei bine, <strong>aici \u00ee\u021bi venim noi \u00een ajutor cu tabelul de <a href=\"#top\">aici<\/a>.<\/strong><\/p>\n\n\n\n<p>\u00cen el vei putea compara cele mai importante informa\u021bii care am crezut noi c\u0103 i-ar putea interesa pe cei ce vor s\u0103 investeasc\u0103 \u00eentr-un \u00eemprumut peer to peer. Sper\u0103m s\u0103 \u00ee\u021bi fie de folos.<\/p>\n\n\n\n<p>Domeniile de activitate ale fiec\u0103rei platforme difer\u0103 de la <strong>\u00eemprumuturi dedicate persoanelor fizice la investi\u021bii imobiliare<\/strong> \u0219i, printr-un simplu click, \u00ee\u021bi vei putea crea chiar ast\u0103zi propriul cont pe una dintre ele.<\/p>\n\n\n\n<p>Iat\u0103 care credem noi c\u0103 sunt cele mai performante 5 de platforme P2P lending Rom\u00e2nia:<\/p>\n\n\n<div class=\"fn_block fn-comparison-table\">                                    <h2 class=\"comparison-table__title-main\">Investe\u0219te \u00een crowdfuding<\/h2>\n                                            <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative is-content\">\n                    <div class=\"comparison-table__scroll is-content\">\n                        <table class=\"comparison-table is-content\" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Companie                                        <\/span>\n                                    <\/th>\n                                    \n                                    <th> <span data-sorting=\"manual-data-point-1\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Dob\u00e2nd\u0103 medie\">\n                    Dob\u00e2nd\u0103 medie<\/span><\/th><th> <span data-sorting=\"manual-data-point-2\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Investi\u021bie minim\u0103\">\n                    Investi\u021bie minim\u0103<\/span><\/th><th> <span data-sorting=\"manual-data-point-3\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Buyback\">\n                    Buyback<\/span><\/th><th> <span data-sorting=\"manual-data-point-4\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Pia\u021b\u0103 secundar\u0103\">\n                    Pia\u021b\u0103 secundar\u0103<\/span><\/th><th> <span data-sorting=\"manual-data-point-5\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Auto-invest\">\n                    Auto-invest<\/span><\/th>                                    <th>\n                                        <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                                                                    <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"EstateGuru review\"\n                data-product-id=\"14929\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"14929\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/estateguru-review\/redirect\/\">\n                    <img decoding=\"async\" title=\"EstateGuru review\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/estateguru-logo.png\" alt=\"EstateGuru review\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"11.00 %\">\n                        <span class=\"comparison-table__text\">11.00 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"50 Eur\">\n                        <span class=\"comparison-table__text\">50 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/estateguru-review\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"14929\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Mintos review\"\n                data-product-id=\"12600\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"12600\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/mintos-review\/redirect\/\">\n                    <img decoding=\"async\" title=\"Mintos review\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/09\/mintos-icon-1.png\" alt=\"Mintos review\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"12.10 %\">\n                        <span class=\"comparison-table__text\">12.10 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"10 Eur\">\n                        <span class=\"comparison-table__text\">10 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/mintos-review\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"12600\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"PeerBerry\"\n                data-product-id=\"20800\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20800\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/peerberry\/redirect\/\">\n                    <img decoding=\"async\" title=\"PeerBerry\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/peerberry.png\" alt=\"PeerBerry\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"11.09 %\">\n                        <span class=\"comparison-table__text\">11.09 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"10 Eur\">\n                        <span class=\"comparison-table__text\">10 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/peerberry\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20800\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Viainvest\"\n                data-product-id=\"20820\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20820\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/viainvest\/redirect\/\">\n                    <img decoding=\"async\" title=\"Viainvest\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/viainvest.png\" alt=\"Viainvest\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"12.00 %\">\n                        <span class=\"comparison-table__text\">12.00 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"10 Eur\">\n                        <span class=\"comparison-table__text\">10 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/viainvest\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20820\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Reinvest24\"\n                data-product-id=\"20805\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20805\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/reinvest24\/redirect\/\">\n                    <img decoding=\"async\" title=\"Reinvest24\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/reinvest24.png\" alt=\"Reinvest24\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"14.80 %\">\n                        <span class=\"comparison-table__text\">14.80 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"100 Eur\">\n                        <span class=\"comparison-table__text\">100 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/reinvest24\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20805\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                                            <table class=\"comparison-table comparison-table--content-logo is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Companie                                        <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"EstateGuru review\"\n                data-product-id=\"14929\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"14929\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/estateguru-review\/redirect\/\">\n                    <img decoding=\"async\" title=\"EstateGuru review\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/estateguru-logo.png\" alt=\"EstateGuru review\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Mintos review\"\n                data-product-id=\"12600\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"12600\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/mintos-review\/redirect\/\">\n                    <img decoding=\"async\" title=\"Mintos review\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/09\/mintos-icon-1.png\" alt=\"Mintos review\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"PeerBerry\"\n                data-product-id=\"20800\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20800\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/peerberry\/redirect\/\">\n                    <img decoding=\"async\" title=\"PeerBerry\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/peerberry.png\" alt=\"PeerBerry\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Viainvest\"\n                data-product-id=\"20820\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20820\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/viainvest\/redirect\/\">\n                    <img decoding=\"async\" title=\"Viainvest\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/viainvest.png\" alt=\"Viainvest\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Reinvest24\"\n                data-product-id=\"20805\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20805\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/reinvest24\/redirect\/\">\n                    <img decoding=\"async\" title=\"Reinvest24\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/reinvest24.png\" alt=\"Reinvest24\">\n                <\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                        <table class=\"comparison-table comparison-table--content-button is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>Aplic\u0103 acum<\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/estateguru-review\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"14929\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/mintos-review\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"12600\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/peerberry\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20800\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/viainvest\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20820\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/reinvest24\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20805\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                                        <table class=\"comparison-table comparison-table--mobile is-content is-hidden-tablet\"\n                           js-data-comparison-table=\"\" js-data-affiliate-on-top=\"false\">\n                        <thead>\n                            <tr>\n                                <th style=\"width: 125px\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Companie                                    <\/span>\n                                <\/th>\n                                <th>\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Rating                                    <\/span>\n                                <\/th>\n                                <th> <span data-sorting=\"manual-data-point-1\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Dob\u00e2nd\u0103 medie\">\n                    Dob\u00e2nd\u0103 medie<\/span><\/th><th> <span data-sorting=\"manual-data-point-2\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Investi\u021bie minim\u0103\">\n                    Investi\u021bie minim\u0103<\/span><\/th><th> <span data-sorting=\"manual-data-point-3\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Buyback\">\n                    Buyback<\/span><\/th><th> <span data-sorting=\"manual-data-point-4\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Pia\u021b\u0103 secundar\u0103\">\n                    Pia\u021b\u0103 secundar\u0103<\/span><\/th><th> <span data-sorting=\"manual-data-point-5\" data-sorting-type=\"asc\" class=\"comparison-table__title\" title=\"Auto-invest\">\n                    Auto-invest<\/span><\/th>                                <th>Aplic\u0103 acum                                <\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"EstateGuru review\"\n                data-product-id=\"14929\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"14929\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/estateguru-review\/redirect\/\">\n                    <img decoding=\"async\" title=\"EstateGuru review\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/estateguru-logo.png\" alt=\"EstateGuru review\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"11.00 %\">\n                        <span class=\"comparison-table__text\">11.00 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"50 Eur\">\n                        <span class=\"comparison-table__text\">50 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/estateguru-review\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"14929\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Mintos review\"\n                data-product-id=\"12600\">\n                <span class=\"search-card__featured\">recomandat<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"12600\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/mintos-review\/redirect\/\">\n                    <img decoding=\"async\" title=\"Mintos review\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/09\/mintos-icon-1.png\" alt=\"Mintos review\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"12.10 %\">\n                        <span class=\"comparison-table__text\">12.10 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"10 Eur\">\n                        <span class=\"comparison-table__text\">10 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/mintos-review\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"12600\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"PeerBerry\"\n                data-product-id=\"20800\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20800\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/peerberry\/redirect\/\">\n                    <img decoding=\"async\" title=\"PeerBerry\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/peerberry.png\" alt=\"PeerBerry\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"11.09 %\">\n                        <span class=\"comparison-table__text\">11.09 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"10 Eur\">\n                        <span class=\"comparison-table__text\">10 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/peerberry\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20800\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Viainvest\"\n                data-product-id=\"20820\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20820\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/viainvest\/redirect\/\">\n                    <img decoding=\"async\" title=\"Viainvest\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/viainvest.png\" alt=\"Viainvest\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"12.00 %\">\n                        <span class=\"comparison-table__text\">12.00 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"10 Eur\">\n                        <span class=\"comparison-table__text\">10 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/viainvest\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20820\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"8\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Reinvest24\"\n                data-product-id=\"20805\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"20805\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financer.ro\/companie\/reinvest24\/redirect\/\">\n                    <img decoding=\"async\" title=\"Reinvest24\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/reinvest24.png\" alt=\"Reinvest24\">\n                <\/a><\/td><td data-sorting=\"manual-data-point-1\" data-sorting-value=\"14.80 %\">\n                        <span class=\"comparison-table__text\">14.80 %<\/span><\/td><td data-sorting=\"manual-data-point-2\" data-sorting-value=\"100 Eur\">\n                        <span class=\"comparison-table__text\">100 Eur<\/span><\/td><td data-sorting=\"manual-data-point-3\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"manual-data-point-4\" data-sorting-value=\"Da\">\n                        <span class=\"comparison-table__text\">Da<\/span><\/td><td data-sorting=\"manual-data-point-5\" data-sorting-value=\"Nu\">\n                        <span class=\"comparison-table__text\">Nu<\/span><\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financer.ro\/companie\/reinvest24\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20805\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Vezi oferta<\/a><\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n\n        <\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium\" target=\"_self\"  rel=\"nofollow\">Vezi mai multe platforme \u0219i parametri<\/a><\/div>\n\n\n<h4 class=\"wp-block-heading\">2. Creeaz\u0103-\u021bi un cont<\/h4>\n\n\n\n<p>Ai analizat atent ce platforme de investi\u021bii peer to peer sunt disponibile la noi \u0219i care sunt unele dintre caracteristicile lor \u0219i acum vrei \u0219i tu s\u0103 te bucuri de multele avantaje cu care acestea vin?<\/p>\n\n\n\n<p>\u00censeamn\u0103 c\u0103 <strong>este timpul s\u0103 \u00ee\u021bi faci un cont pe una sau unele dintre ele<\/strong>. Procesul este unul extrem de simplu, ce nu implic\u0103 mai mult de doi pa\u0219i:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>\u00cenregistrarea ca utilizator nou pe site-ul ales<\/p>\n<\/li><li><p>Confirmarea identit\u0103\u021bii printr-o poz\u0103 a c\u0103r\u021bii de identitate, ori printr-un selfie cu CI-ul \u00een m\u00e2n\u0103<\/p>\n<\/li><\/ul><\/div>\n\n\n<p><em>Iar asta este tot.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Realizeaz\u0103 prima depunere de bani<\/h4>\n\n\n\n<p>Pentru a putea investi bani \u00een proiectele disponibile pe platforme peer to peer <strong>va trebui s\u0103 \u00ee\u021bi transferi bani \u00een contul proasp\u0103t creat<\/strong>.<\/p>\n\n\n\n<p>Pentru validarea contului, toate site-urile solicit\u0103 o depunere ini\u021bial\u0103, ce poate varia \u00eentre 10 \u0219i 100 Eur (informa\u021bii pe care le g\u0103se\u0219ti \u0219i \u00een tabel).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">4. Alege un proiect pe care s\u0103 \u00eel sus\u021bii<\/h4>\n\n\n\n<p>Atunci c\u00e2nd vine vorba de P2P lending Rom\u00e2nia <strong>exist\u0103 o mul\u021bime de proiecte \u00een care po\u021bi investi<\/strong>, \u00een func\u021bie de tipul de platform\u0103 c\u0103tre care vei dori s\u0103 te \u00eendrep\u021bi.<\/p>\n\n\n\n<p>Ce este important de re\u021binut este c\u0103, la fel ca \u00een oricare alt tip de investi\u021bie, diversitatea este cheia succesului. <\/p>\n\n\n\n<p>A\u0219a c\u0103 noi te sf\u0103tuim <strong>s\u0103 plasezi bani \u00een c\u00e2t mai multe proiecte, din c\u00e2t mai multe domenii cu putin\u021b\u0103.<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">5. Reinveste\u0219te banii c\u00e2\u0219tiga\u021bi<\/h4>\n\n\n\n<p>Odat\u0103 contractul ajuns la final de termen, banii investi\u021bi vor acumula dob\u00e2nd\u0103.<\/p>\n\n\n\n<p>To\u021bi exper\u021bii financiari ne \u00eendrum\u0103 ca <strong>sumele c\u00e2\u0219tigate, indiferent de plasamentele realizate, s\u0103 fie reinvestite<\/strong>, gener\u00e2nd \u00een felul acesta efectul numit <a href=\"https:\/\/financer.ro\/calculeaza\/dobanda-compusa\/\" data-type=\"page\" data-id=\"1787\">dob\u00e2nd\u0103 compus\u0103<\/a>, despre care po\u021bi citi mai multe aici.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Investitii_peer_to_peer___ce_tip_de_mprumut_s_aleg\">Investitii peer to peer &#8211; ce tip de \u00eemprumut s\u0103 aleg<\/h2>\n\n\n\n<p>Atunci c\u00e2nd discut\u0103m despre investi\u021bii P2P nu are sens s\u0103 vorbim despre \u201ecel mai bun\u201d \u00eemprumut, ci mai degrab\u0103 despre \u201ecel mai potrivit\u201d.<\/p>\n\n\n\n<p>Cum pe pia\u021b\u0103 exist\u0103 o mare varietate de op\u021biuni, investitorii vor putea opta pentru plasamente care fac parte din domenii diferite, <strong>\u00een func\u021bie de preferin\u021bele proprii<\/strong>. <\/p>\n\n\n\n<p><em>Dintre acestea, cele mai renumite ar fi:<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Credite_de_nevoi_personale\">Credite de nevoi personale<\/h3>\n\n\n\n<p><a href=\"https:\/\/financer.ro\/credit\/credit-nevoi-personale\/\" data-type=\"page\" data-id=\"810\">Creditele de nevoi personale<\/a> reprezint\u0103 de departe <strong>cele mai frecvente tipuri de \u00eemprumuturi P2P<\/strong> disponibile pe platformele de profil.<\/p>\n\n\n\n<p>Partea bun\u0103 la astfel de produse este aceea c\u0103 ratele vor fi pl\u0103tite lunar de c\u0103tre debitor c\u0103tre creditori \u0219i vor fi compuse din dou\u0103 p\u0103r\u021bi: principal + dob\u00e2nd\u0103.<\/p>\n\n\n\n<p>Ca atare, chiar dac\u0103 alegi s\u0103 finan\u021bezi credite care se vor \u00eentinde pe mai mul\u021bi ani, \u00een c\u00e2teva luni vei avea la dispozi\u021bie fonduri ce vor putea fi folosite pentru finan\u021barea altor \u00eemprumuturi.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Alegerea noastr\u0103 din aceast\u0103 categorie<\/h4>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ro\/companie\/mintos-review\/\" class=\"items-content__card-logo items-content__card-logo--trusted\" ><img decoding=\"async\" width=\"180\" height=\"56\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/09\/mintos-icon-1.png\" class=\"attachment-full size-full\" alt=\"mintos\" \/><\/a><span class=\"items-content__card-chosen\">Ales <strong>2.379<\/strong> ori<\/span><ul class=\"items-content__card-list\"><li >Garan\u021bie de r\u0103scump\u0103rare pentru multe dintre creditele active<\/li><li >0 costuri de administrare, depunere sau retragere bani<\/li><li >Ai la dispozi\u021bie sute de mii de credite din care po\u021bi alege<\/li><li >\u00ce\u021bi gestionezi investi\u021biile oriunde te-ai afla gra\u021bie aplica\u021biei de mobil<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ro\/companie\/mintos-review\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"12600\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Vezi oferta<\/a><a href=\"https:\/\/financer.ro\/companie\/mintos-review\/\"  class=\"button is-rounded items-content__card-more-info\">Detalii aici<\/a><a href=\"https:\/\/financer.ro\/companie\/mintos-review\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">Cite\u0219te&nbsp;<a href=\"https:\/\/financer.ro\/companie\/mintos-review\/#read-reviews\">0<\/strong>&nbsp;recenzii<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"mprumuturi_rapide\">\u00cemprumuturi rapide<\/h3>\n\n\n\n<p>Prin intermediul <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/\" data-type=\"page\" data-id=\"917\">\u00eemprumuturilor rapide<\/a>, beneficiarii pot accesa sume mai mici de bani, pe intervale ce variaz\u0103 de regul\u0103 \u00eentre 30 \u0219i 60 zile.<\/p>\n\n\n\n<p>De cele mai multe ori, debitorii se folosesc de bani pentru a achita anumite cheltuieli urgente \u0219i returneaz\u0103 banii la primirea primului salariu.<\/p>\n\n\n\n<p>Ca atare, astfel de produse sunt <strong>extrem de potrivite pentru cei ce doresc s\u0103 vad\u0103 rezultate rapide cu investi\u021biile lor.<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Alegerea noastr\u0103 din aceast\u0103 categorie<\/h4>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ro\/companie\/peerberry\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"200\" height=\"57\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/peerberry.png\" class=\"attachment-full size-full\" alt=\"PeerBerry\" \/><\/a><span class=\"items-content__card-chosen\">Ales <strong>364<\/strong> ori<\/span><ul class=\"items-content__card-list\"><li >Investe\u0219ti \u00een special \u00een \u00eemprumuturi pe termen scurt<\/li><li >Randamentul mediu anual este de 11.09 %<\/li><li >Investi\u021bia minim\u0103 este de doar 10 Euro<\/li><li >Rata de default a aplica\u021biei este de 0 %<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ro\/companie\/peerberry\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20800\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Vezi oferta<\/a><a href=\"https:\/\/financer.ro\/companie\/peerberry\/\"  class=\"button is-rounded items-content__card-more-info\">Detalii aici<\/a><a href=\"https:\/\/financer.ro\/companie\/peerberry\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">Cite\u0219te&nbsp;<a href=\"https:\/\/financer.ro\/companie\/peerberry\/#read-reviews\">0<\/strong>&nbsp;recenzii<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"mprumuturi_ipotecare\">\u00cemprumuturi ipotecare<\/h3>\n\n\n\n<p>Prin platforme peer to peer <strong>vei putea investi \u0219i \u00een credite ipotecare<\/strong>.<\/p>\n\n\n\n<p>Nu pu\u021bini sunt cei care nu sunt creditabili de c\u0103tre institu\u021biile bancare \u0219i care aleg astfel de site-uri ca form\u0103 de finan\u021bare.<\/p>\n\n\n\n<p>Iar motivul este unul simplu: b\u0103ncile cel mai adesea nu crediteaz\u0103 dec\u00e2t maxim 40 % dintr-un proiect imobiliar, \u00een vreme ce platformele P2P ofer\u0103 finan\u021b\u0103ri de p\u00e2n\u0103 la 75 &#8211; 80 %.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Alegerea noastr\u0103 din aceast\u0103 categorie<\/h4>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ro\/companie\/estateguru-review\/\" class=\"items-content__card-logo items-content__card-logo--trusted\" ><img decoding=\"async\" width=\"200\" height=\"67\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/01\/estateguru-logo.png\" class=\"attachment-full size-full\" alt=\"estateguru\" \/><\/a><span class=\"items-content__card-chosen\">Ales <strong>4.246<\/strong> ori<\/span><ul class=\"items-content__card-list\"><li >Randamente medii de 11.5 % pe an<\/li><li >Cea mai sigur\u0103 platform\u0103 de P2P imobiliar din lume; niciun client nu a pierdut vreun cent p\u00e2n\u0103 acum<\/li><li >Investi\u021bia minim\u0103 este de 50 Eur per proiect<\/li><li >Site-ul nu este disponibil \u0219i \u00een limba rom\u00e2n\u0103, momentan<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ro\/companie\/estateguru-review\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"14929\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Vezi oferta<\/a><a href=\"https:\/\/financer.ro\/companie\/estateguru-review\/\"  class=\"button is-rounded items-content__card-more-info\">Detalii aici<\/a><a href=\"https:\/\/financer.ro\/companie\/estateguru-review\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_yellow\" data-rating-value=\"3\">3.0<\/span><\/a><span class=\"items-content__card-reviews\">Cite\u0219te&nbsp;<a href=\"https:\/\/financer.ro\/companie\/estateguru-review\/#read-reviews\">1<\/strong>&nbsp;recenzii<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"mprumuturi_pentru_mediul_de_afaceri\">\u00cemprumuturi pentru mediul de afaceri<\/h3>\n\n\n\n<p>Da, ai citit bine, prin platforme P2P vei putea finan\u021ba chiar \u0219i credite oferite persoanelor juridice ce \u00ee\u0219i desf\u0103\u0219oar\u0103 activitatea \u00een varii domenii.<\/p>\n\n\n\n<p>Aceste forme de finan\u021bare vin cu garan\u021bii mobile sau imobile ce trebuie asigurate de compania debitoare.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Alegerea noastr\u0103 din aceast\u0103 categorie<\/h4>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ro\/companie\/crowdestor\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"200\" height=\"71\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2022\/05\/crowdestor.png\" class=\"attachment-full size-full\" alt=\"crowdestor\" \/><\/a><span class=\"items-content__card-chosen\">Ales <strong>398<\/strong> ori<\/span><ul class=\"items-content__card-list\"><li >Randament mediu excelent, de 19.54 %<\/li><li >Investi\u021bia minim\u0103 de 50 Euro<\/li><li >Ofer\u0103 func\u021bii de autoinvest \u0219i garatare de r\u0103scump\u0103rare<\/li><li >Rata de default este de 10 %<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ro\/companie\/crowdestor\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"20823\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Vezi oferta<\/a><a href=\"https:\/\/financer.ro\/companie\/crowdestor\/\"  class=\"button is-rounded items-content__card-more-info\">Detalii aici<\/a><a href=\"https:\/\/financer.ro\/companie\/crowdestor\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_gray\" data-rating-value=\"0\">N\/A<\/span><\/a><span class=\"items-content__card-reviews\">Cite\u0219te&nbsp;<a href=\"https:\/\/financer.ro\/companie\/crowdestor\/#read-reviews\">0<\/strong>&nbsp;recenzii<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Compar_platforme\">Compar\u0103 platforme<\/h3>\n\n\n\n<p>Dup\u0103 cum probabil c\u0103 deja intuie\u0219ti, <strong>exist\u0103 mai multe platforme prin intermediul c\u0103rora vei putea investi \u00een acela\u0219i tip de \u00eemprumut<\/strong>.<\/p>\n\n\n\n<p>A\u0219a cum specificam \u0219i mai sus, cheia succesului \u00een orice tip de investi\u021bie este diversificarea.<\/p>\n\n\n\n<p>Iar aici nu ne referim doar la a-\u021bi distribui fondurile \u00een mai multe tipuri de produse, ci \u0219i la a utilizat c\u00e2t mai multe platforme.<\/p>\n\n\n\n<p>Aceasta credem c\u0103 este cea mai bun\u0103 solu\u021bie prin care <strong>s\u0103 \u00ee\u021bi reduci semnificativ riscurile asociate investi\u021biilor \u00een P2P lending<\/strong>.<\/p>\n\n\n\n<p>Pentu alegerea platformelor \u00ee\u021bi suger\u0103m s\u0103 faci o compara\u021bie c\u00e2t mai ampl\u0103 a lor, utiliz\u00e2nd tabelul nostru din partea de sus a paginii.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium\" target=\"_self\"  rel=\"nofollow\">Compar\u0103 platforme P2P acum<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_ar_trebui_s_tii_nainte_de_a_investi_n_P2P_Romnia\">Ce ar trebui s\u0103 \u0219tii \u00eenainte de a investi \u00een P2P Rom\u00e2nia<\/h2>\n\n\n\n<p>\u00ce\u021bi pare interesant tot ce ai citit p\u00e2n\u0103 aici despre de peer-topeer? Ei bine, afl\u0103 c\u0103, la fel ca oricare alt tip de plasament \u0219i acesta <strong>vine cu riscuri asociate<\/strong>.<\/p>\n\n\n\n<p><em>Dintre ele, cele mai importante ar fi:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>Proiectul \u00een care investe\u0219ti intr\u0103 \u00een stadiul de default<\/strong><\/p>\n<p>Atunci c\u00e2nd beneficiarul unui \u00eemprumut prin <a href=\"https:\/\/financer.ro\/wiki\/totul-despre-crowdfunding\/\" data-type=\"wiki\" data-id=\"3949\">crowdfunding<\/a> \u00een care ai decis s\u0103 investe\u0219ti nu \u00ee\u0219i mai pl\u0103te\u0219te pentru un anumit timp ratele, \u00eencep s\u0103 i se adauge penalit\u0103\u021bi \u0219i, finalmente, proiectul intr\u0103 \u00een stadiul de default.<\/p>\n<p>Ulterior, echipa legal\u0103 a platformei peer-to-peer urmeaz\u0103 c\u0103ile legale prin care \u00eencearc\u0103 s\u0103 recupereze daunele cauzate investitorilor. Dar lucrul acesta nu este totdeauna posibil, astfel c\u0103 unii utilizatorii pot ajunge s\u0103 piard\u0103 bani.<\/p>\n<p>Sigur, riscul de default este relativ sc\u0103zut \u00een prezent, dat fiind procesul extrem de minu\u021bios prin care sunt selectate proiectele ce ajung pe platforme (cam to\u021bi spun c\u0103 doar 1 din 10 credite ajunge s\u0103 fie finan\u021bat), dar el totu\u0219i exist\u0103 \u0219i trebuie amintit.<\/p>\n<\/li><li><p><strong>Platforma ajunge s\u0103 se \u00eenchid\u0103<\/strong><\/p>\n<p>Un alt risc al celor ce investesc \u00een astfel de instrumente este ca site-ul P2P ales s\u0103 se \u00eenchid\u0103 \u0219i s\u0103 intre \u00een faliment peste noapte, iar ei s\u0103 piard\u0103 to\u021bi banii din cont.<\/p>\n<p>Lucrul acesta este relativ u\u0219or de evitat prin alegerea unui provider omologat de diverse institu\u021bii financiare \u0219i care activeaz\u0103 de ceva timp \u00een domeniu.<\/p>\n<p>Sigur, nu zicem c\u0103 este exclus s\u0103 existe cazuri \u00een care companii de renume s\u0103 \u00ee\u0219i \u00eenchid\u0103 site-urile, cre\u00e2nd g\u0103uri \u00een buzunarele investitorilor, dar \u0219ansele sunt mult mai mari ca o societate nou\u0103 s\u0103 se \u00eenchid\u0103 comparativ cu una cu experien\u021b\u0103.<\/p>\n<\/li><li><p><strong>Decizii politice \u0219i socio-economice<\/strong><\/p>\n<p>Din p\u0103cate, chiar \u0219i deciziile ce \u021bin de zona socio-economic\u0103 \u0219i\/sau politic\u0103 ne pot afecta investi\u021biile peer to peer.<\/p>\n<p>Spre exemplu, po\u021bi vedea \u00een urm\u0103toarele dou\u0103 link-uri ce s-a \u00eent\u00e2mplat cu investitorii Mintos c\u00e2nd a izbucnit r\u0103zboiul din <a href=\"https:\/\/www.mintos.com\/blog\/varks-licence-revoked-in-armenia\/\">Armenia<\/a> sau cel din <a href=\"https:\/\/www.mintos.com\/blog\/russia-ukraine-war-impact-update-swift-ban-rub-plunge-pausing-listing-new-loans-from-belarus-and-more\/\">Ucraina<\/a> ce aveau plasamente \u00een \u021b\u0103rile respective.<\/p>\n<p>Pe scurt, multe proiecte au intrat \u00een stadiul de default, iar acum se a\u0219teapt\u0103 recuperarea banilor, care poate dura p\u00e2n\u0103 la c\u00e2\u021biva ani, dac\u0103 vor fi vreodat\u0103 recupera\u021bi<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Cu toate riscurile enumerate aici, trebuie totu\u0219i s\u0103 amintim c\u0103 \u0219ansele de a pierde bani din proiecte P2P sunt mai mici dec\u00e2t cele atribuite <a href=\"https:\/\/financer.ro\/economii\/actiuni\/\" data-type=\"page\" data-id=\"1698\">ac\u021biunilor<\/a> sau pie\u021belor <a href=\"https:\/\/financer.ro\/wiki\/forex\/\" data-type=\"wiki\" data-id=\"12879\">Forex<\/a>.<\/p>\n\n\n\n<p>Mai mult dec\u00e2t at\u00e2t, cum \u00een ultimii ani au tot ap\u0103rut din ce \u00een ce mai multe platforme peer to peer, acestea <strong>au reu\u0219it s\u0103 reduc\u0103 semnificativ riscul utilizatorilor \u00eenv\u0103\u021b\u00e2nd din gre\u0219elile celor ce au pus temeliile acestor produse<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Patru_sfaturi_pentru_reducerea_riscului_n_investiii_crowdfunding\">Redu riscurile asociate P2P \u00een 4 pa\u0219i<\/h3><ol>\n<li>Alege doar platforme de peer to peer investing cunoscute, cu o vast\u0103 experien\u021b\u0103 \u00een domeniu, cum sunt cele din <a href=\"#top\">tabelul de mai sus<\/a><\/li>\n<li>Analizeaz\u0103 atent fiecare proiect \u00eenainte de a te hot\u0103r\u00ee s\u0103 \u00eel finan\u021bezi<\/li>\n<li>Diversific\u0103-\u021bi portofoliul c\u00e2t de mult po\u021bi, aleg\u00e2nd s\u0103 plasezi c\u00e2t de pu\u021bini bani se poate \u00een c\u00e2t mai multe proiecte disponibile \u0219i \u00een c\u00e2t mai multe platforme<\/li>\n<li>Investi\u021biile \u00een P2P nu ar trebui s\u0103 reprezinte mai mult de 5 -10 % din portofoliul personal<\/li>\n<\/ol><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Cum_se_compar_P2P_investing_cu_alte_forme_de_investiii\">Cum se compar\u0103 P2P investing cu alte forme de investi\u021bii<\/h3>\n\n\n\n<p>Dup\u0103 cum spuneam \u0219i \u00een introducerea acestui capitol, <strong>plasamenteel peer-to-peer ofer\u0103 ni\u0219te randamente anuale bunicele<\/strong>, cu un risc asociat nu chiar la fel de mare precum cel atribuit ac\u021biunilor sau pie\u021belor monetare.<\/p>\n\n\n\n<p><em>Dac\u0103 ar fi s\u0103 compar\u0103m cu altfe forme de investi\u021bii, iat\u0103 cum ar sta lucrurile:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong><a href=\"https:\/\/financer.ro\/wiki\/sfaturi-investitii-imobiliare\/\" data-type=\"wiki\" data-id=\"3103\">Investi\u021bii imobiliare<\/a><\/strong> \u2013 ai nevoie de un capital imens pentru a porni la drum, s\u0103 \u0219tii s\u0103 renovezi o locuin\u021b\u0103 \u0219i s\u0103 ai bani s\u0103 o faci, iar <a href=\"https:\/\/realestatemagazine.ro\/2019\/02\/analiza-real-estate-magazine-randamente-atractive-la-investitiile-imobiliare-in-romania\/\">randamentele anuale medii sunt de regul\u0103 cuprinse \u00eentre 6 \u0219i 8 %<\/a><\/p>\n<\/li><li><p><strong><a href=\"https:\/\/financer.ro\/economii\/bursa-de-valori-sfaturi-incepatori\/\" data-type=\"page\" data-id=\"11395\">Investi\u021bii pe pia\u021ba bursier\u0103<\/a><\/strong> \u2013 \u00ee\u021bi trebuie extrem de multe cuno\u0219tin\u021be \u00een domeniu pentru a-\u021bi putea face un portofoliu suficient de diversificat astfel \u00eenc\u00e2t s\u0103 reduci c\u00e2t de mult se poate riscul asociat<\/p>\n<\/li><li><p><strong><a href=\"https:\/\/financer.ro\/wiki\/forex\/\" data-type=\"wiki\" data-id=\"12879\">Investi\u021bii pe pia\u021ba Forex<\/a><\/strong> \u2013 sunt considerate de c\u0103tre mul\u021bi chiar mai greu de \u00een\u021beles dec\u00e2t cele bursiere, astfel c\u0103 va fi nevoie s\u0103 investe\u0219ti \u0219i mai mult timp pentru \u00eenv\u0103\u021bare<\/p>\n<\/li><li><p><strong><a href=\"https:\/\/financer.ro\/wiki\/titluri-de-stat\/\" data-type=\"wiki\" data-id=\"3094\">Investi\u021bii \u00een titluri de stat<\/a> sau <a href=\"https:\/\/financer.ro\/wiki\/dobanzi-depozite\/\" data-type=\"wiki\" data-id=\"3345\">depozite bancare<\/a><\/strong> \u2013 sunt considerate drept foarte sigure, dar ofer\u0103 ni\u0219te randamente net inferioare<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Investind \u00een P 2 P, te po\u021bi bucura de dob\u00e2nzi anuale medii ce pot ajunge p\u00e2n\u0103 la 19.57 %, cu riscuri asociate nu foarte mari \u0219i un nivel necesar al cuno\u0219tin\u021belor mediu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_s_ncepi_n_P2P\">Cum s\u0103 \u00eencepi \u00een P2P<\/h2>\n\n\n\n<p>Deoarece P2P a ajuns s\u0103 reprezinte o pia\u021b\u0103 at\u00e2t de stabil\u0103 \u00een ziua de ast\u0103zi, aceast\u0103 form\u0103 de investi\u021bii <strong>poate reprezenta punctul de plecare pentru cei care \u00eenc\u0103 nu au un portofoliu<\/strong> sau un profil investi\u021bional.<\/p>\n\n\n\n<p>Investi\u021biile peer to peer sunt rapide, u\u0219or de \u00een\u021beles, nu au taxe ascunse, tu e\u0219ti cel care de\u021bine controlul \u2013 nu este cazul s\u0103 apelezi la un broker care s\u0103 \u00ee\u021bi explice cum func\u021bioneaz\u0103 lucrurile \u2013 \u0219i, poate cel mai important, nu este nevoie s\u0103 petreci ani \u00eentregi studiind problema.<\/p>\n\n\n\n<p>Pentru a \u00eencepe s\u0103 investe\u0219ti nu trebuie dec\u00e2t s\u0103 \u00ee\u021bi faci un cont pe o platform\u0103 dedicat\u0103, s\u0103 depui fondurile alocate \u00een contul personal \u0219i apoi <strong>s\u0103 analizezi pu\u021bin lista de \u00eemprumuturi disponibile<\/strong> \u00eenainte de a-\u021bi investi banii.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Totul este at\u00e2t de simplu. Desigur, ca orice alt\u0103 form\u0103 de investi\u021bii, \u0219i aici vei avea anumite riscuri. Dar studiind atent platforma prin care tranzac\u021bionezi \u0219i aleg\u00e2nd \u00eemprumuturile bine, vei putea contracara aceste riscuri.<\/p>\n<p>Ap\u0103s\u00e2nd butonul de mai jos, vei putea compara cele mai de succes site-uri P2P din \u021bara noastr\u0103.<\/p><p class=\"has-text-centered\">\n\t    <a href=\"#top\"   class=\"button is-normal is-primary is-rounded is-large\">Compar\u0103 platforme de peer-to-peer <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Avantajele_i_dezavantajele_investitorilor_n_P2P\">Avantajele \u0219i dezavantajele investitorilor \u00een P2P<\/h2>\n\n\n\n<p>Acum, c\u0103 am prezentat ce este P2P \u0219i cum c\u00e2\u0219tig\u0103 bani cei ce decid s\u0103 investeasc\u0103 \u00een astfel de instrumente, credem c\u0103 este timpul s\u0103 vorbim pu\u021bin despre avantajele \u0219i dezavantajele cu care vin aceste peer to peer investments: <\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p><strong>Randamente mari<\/strong><\/p>\n<p>Prin intermediul investi\u021biilor peer-to-peer vei vedea c\u0103\u00a0va fi destul de simplu s\u0103 ajungi la randamente ce se apropie de 10 % pe an.<\/p>\n<p>Pentru persoanele mai curajoase, cu un profil investi\u021bional mai adaptat riscurilor ceva mai mari, dob\u00e2nzile anuale vor putea chiar dep\u0103\u0219i 14 %.<\/p>\n<\/li><li><p><strong>Nu trebuie s\u0103 studiezi prea mult pentru a putea \u00eencepe<\/strong><\/p>\n<p>Dac\u0103 \u00een cazul investi\u021biilor Forex sau \u00een ac\u021biuni este nevoie s\u0103 studiezi ani \u00eentregi pentru a putea avea succes, \u00een cazul P2P nu ai nevoie de niciun fel de preg\u0103tire prealabil\u0103.<\/p>\n<p>Site-urile se ocup\u0103 cu tot ce \u00eenseamn\u0103 evaluarea riscului viitoarelor \u00eemprumuturi, iar tu tot ce ai de f\u0103cut este s\u0103 alegi credite ce se pliaz\u0103 pe profilul t\u0103u de risc.<\/p>\n<\/li><li><p><strong>Nu ai nevoie de multe fonduri<\/strong><\/p>\n<p>\u00cemprumuturile disponibile prin lending peer to peer sunt \u00eemp\u0103r\u021bite \u00een segmente ce de regul\u0103 \u00eencep de la 10 Eur pentru creditele de nevoi personale \u0219i 50 Eur pentru cele imobiliare.<\/p>\n<p>Ca atare, nu trebuie s\u0103 ri\u0219ti s\u0103 intri de la \u00eenceput cu bani mul\u021bi. Nu ai nevoie dec\u00e2t de c\u00e2\u021biva zeci de euro.<\/p>\n<\/li><li><p><strong>Totul poate fi f\u0103cut online<\/strong><\/p>\n<p>Iar aici chiar ne referim la tot: crearea contului, investi\u021bia efectiv\u0103, precum \u0219i revendicarea veniturilor.<\/p>\n<\/li><li><p><strong>Diversificare rapid\u0103 a portofoliului<\/strong><\/p>\n<p>Dat fiind faptul c\u0103 vei putea alege doar p\u0103r\u021bi dintr-un eventual \u00eemprumut peer to peer \u00eenseamn\u0103 c\u0103 \u00ee\u021bi vei putea diversifcia extrem de repede portofoliul.<\/p>\n<p>Astfel, riscul de a pierde bani scade dramatic.<\/p>\n<\/li><li><p><strong>Costuri foarte mici<\/strong><\/p>\n<p>Multe dintre platformele P2P\u00a0vin cu costuri 0 pentru investitori. <\/p>\n<p>Site-urile \u00een sine nu \u00ee\u021bi vor p\u0103stra nici m\u0103car o mic\u0103 parte din banii c\u00e2\u0219tiga\u021bi, cum de altfel nici nu vor fi responsabili de eventualele pierderi pe care le vei \u00eenregistra.<\/p>\n<\/li><li><p><strong>Garan\u021bia pl\u0103\u021bii<\/strong><\/p>\n<p>Unele platforme mai mari vin cu un fel de garan\u021bie a pl\u0103\u021bii.<\/p>\n<p>Astfel c\u0103 dac\u0103, dintr-un motiv sau altul, beneficiarul decide c\u0103 nu va mai pl\u0103ti creditul accesat,\u00a0compania de credit se oblig\u0103 s\u0103 \u00ee\u021bi restituie banii investi\u021bi, urm\u00e2nd ca apoi ei s\u0103 urmeze demersurile necesare recuper\u0103rii crean\u021bei de la clientul r\u0103u-platnic.<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>Ri\u0219ti pierderea banilor<\/strong><\/p>\n<p>Probabil c\u0103\u00a0principalul risc la care te expui este reprezentat de pierderea banilor. C\u00e2nd vine vorba de peer to peer, fondurile personale nu au nicio garan\u021bie.<\/p>\n<p>A\u0219adar, dac\u0103 decizi s\u0103 investe\u0219ti \u00eentr-un \u00eemprumut P2P, nu vei avea siguran\u021ba c\u0103 randamentul comunicat atunci c\u00e2nd ai ales unul dintre creditele existente va fi \u0219i atins.<\/p>\n<p>Se poate ca beneficiarul instrumentului financiar s\u0103 decid\u0103 s\u0103 nu \u00ee\u0219i pl\u0103teasc\u0103 ratele,\u00a0caz \u00een care \u00ee\u021bi va genera \u021bie o pierdere de fonduri.<\/p>\n<\/li><li><p><strong>Dob\u00e2nda ob\u021binut\u0103 este impozitat\u0103<\/strong><\/p>\n<p>Spre deosebire de titlurile de stat, care vin cu un randament anual de p\u00e2n\u0103 la 8 %, pentru care nu se aplic\u0103 nici un fel de impozit,\u00a0\u00een cazul investi\u021biilor peer to peer, va trebui s\u0103 achi\u021bi statului 10 % din sumele c\u00e2\u0219tigate.<\/p>\n<p>Acest impozit pe profit trebuie calculat atunci c\u00e2nd iei \u00een considerare profitabilitatea unui instrument financiar.<\/p>\n<\/li><li><p><strong>Banii t\u0103i se poate s\u0103 nu fie \u00eemprumuta\u021bi imediat<\/strong><\/p>\n<p>Se poate ca \u00een anumite perioade de timp s\u0103 nu g\u0103se\u0219ti proiecte adecvate strategiei tale investi\u021bionale \u0219i, ca atare, s\u0103 nu po\u021bi investi.<\/p>\n<p>Asta \u00eenseamn\u0103 c\u0103, pentru o perioad\u0103 de timp fondurile tale vor sta degeaba \u0219i nu vor produce nici un ban, ceea ce va duce la o sc\u0103dere a randamentului anual.<\/p>\n<\/li><li><p><strong>Probleme juridice<\/strong><\/p>\n<p>Exist\u0103 \u021b\u0103ri \u00een care\u00a0legisla\u021bia intern\u0103 interzice persoanelor fizice s\u0103 investeasc\u0103 bani \u00een anumite instrumente financiare, printre care se num\u0103r\u0103 \u0219i \u00eemprumuturile peer to peer (vezi Ungaria).<\/p>\n<p>Din fericire, la noi nu este cazul, dar niciodat\u0103 nu \u0219tii cum se vor modifica legile, a\u0219a c\u0103 se poate \u00eent\u00e2mpla ca, din senin, s\u0103 nu mai ai voie s\u0103 te folose\u0219ti de platformele P2P.<\/p>\n<\/li><li><p><strong>Procesul este unul destul de laborios<\/strong><\/p>\n<p>C\u0103utarea de \u00eemprumuturi ideale pentru profilul t\u0103u de risc\u00a0se poate dovedi a fi o treab\u0103 destul de laborioas\u0103, care s\u0103 \u00ee\u021bi ia o mul\u021bime de timp.<\/p>\n<p>Pe platformele foarte populare sunt postate zilnic mai mult de 200.000 de cereri de \u00eemprumut, \u00ee\u021bi po\u021bi doar imagina c\u00e2t de greu este \u0219i c\u00e2t de multe ore vei avea de petrecut pentru a te decide ce \u00eemprumut s\u0103 finan\u021bezi.<\/p>\n<p>Sigur, po\u021bi apela \u0219i la strategii automate, dar cel mai sigur este s\u0103 alegi tu manual \u00een ce credite s\u0103 investe\u0219ti.<\/p>\n<\/li><li><p><strong>Riscul falimentului<\/strong><\/p>\n<p>Cu toate c\u0103 nu credem c\u0103 acest lucru se va \u00eent\u00e2mpla dac\u0103 alegi s\u0103 faci investi\u021bii peer to peer pe platforme interna\u021bionale cunoscute, exist\u0103 totu\u0219i riscul ca firma care st\u0103 la baza site-ului respectiv s\u0103 dea faliment, rezult\u00e2nd, automat \u0219i falimentul platformei P2P.<\/p>\n<p>Iar asta va duce, bine\u00een\u021beles,\u00a0la pierderea \u00eentregii sume pe care o ai acumulat\u0103 \u00een contul personal deschis pe site.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Strategii_investiionale_n_peer_to_peer\">Strategii investi\u021bionale \u00een peer to peer<\/h2>\n\n\n\n<p>\u00cen continuare dorim s\u0103 \u00ee\u021bi prezent\u0103m <strong>c\u00e2teva strategii care te vor ajuta s\u0103 ai succes<\/strong> dac\u0103 vei dori s\u0103 investe\u0219ti prin intermediul platformelor de peer to peer landing Romania. <\/p>\n\n\n\n<p><em>A\u0219adar, f\u0103r\u0103 alte cuvinte suplimentare, s\u0103 \u00eencepem cu primul \u0219i poate cel mai important sfat \u2013 diversificarea investi\u021biilor.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Diversificarea_investiiilor\">Diversificarea investi\u021biilor<\/h3>\n\n\n\n<p>Probabil c\u0103 cel mai important sfat atunci c\u00e2nd investe\u0219ti, indiferent de instrumentul ales, este <strong>s\u0103 \u00ee\u021bi diversifici portofoliul<\/strong> sau, cum se zice \u00een popor, s\u0103 nu \u00ee\u021bi pui toate ou\u0103le \u00een acela\u0219i co\u0219. <\/p>\n\n\n\n<p><em>Acela\u0219i lucru poate fi spus \u0219i despre P2P.<\/em><\/p>\n\n\n\n<p>Ar fi de preferat s\u0103 investe\u0219ti <strong>sume mici c\u0103tre multe \u00eemprumuturi<\/strong>. <\/p>\n\n\n\n<p>Spre exemplu, dac\u0103 dore\u0219ti s\u0103 investe\u0219ti 5000 Euro, \u00een loc s\u0103 alegi s\u0103 finan\u021bezi 5 beneficiari cu c\u00e2te 1000 Euro, ar fi mult mai indicat, zicem noi, s\u0103 optezi pentru sume de 10 Euro acordate c\u0103tre 500 de solicitan\u021bi de credit.<\/p>\n\n\n\n<p><em>De ce \u00ee\u021bi d\u0103m acest sfat?<\/em> Pentru c\u0103, \u00een felul acesta, randamentele pozitive dintr-o parte te vor ajuta s\u0103 le echilibrezi pe cele negative dintr-o alt\u0103 parte. <\/p>\n\n\n\n<p><strong>Ca atare, \u0219ocul resim\u021bit \u00een urma opt\u0103rii pentru un credit ce nu mai este pl\u0103tit de c\u0103tre beneficiar va fi unul mult redus.<\/strong><\/p>\n\n\n\n<p>C\u00e2nd spunem \u201ediversificare\u201d, nu ne referim doar la optarea pentru persoane diferite. <\/p>\n\n\n\n<p>Po\u021bi alege profile diferite ale viitorilor beneficiari, selectarea de grade de risc diferite, de scoruri de credit, de motive pentru care sunt necesari banii, de platforme etc. <\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium\" target=\"_self\"  rel=\"nofollow\">Compar\u0103 \u0219i alege cele mai bune platforme P2P acum<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Investete_i_reinvestete\">Investe\u0219te \u0219i reinveste\u0219te<\/h3>\n\n\n\n<p>Odat\u0103 ce \u021bi-ai dedicat un anumit buget investi\u021biilor \u00een peer to peer, <strong>continu\u0103 s\u0103 investe\u0219ti banii respectivi<\/strong>. <\/p>\n\n\n\n<p>Sumele neinvestite nu vor genera profituri, astfel c\u0103 nu vedem nici un rost \u00een a le l\u0103sa s\u0103 stea degeaba \u00een cont.<\/p>\n\n\n\n<p>Totodat\u0103, unul dintre marile avantaje ale platformelor P2P este c\u0103 <strong>\u00ee\u021bi produc bani \u00eenc\u0103 din prima lun\u0103 de la investi\u021bia ini\u021bial\u0103<\/strong>, sub forma dob\u00e2nzilor pe care le vei primi \u00een urma \u00eemprumuturilor realizate. <\/p>\n\n\n\n<p>Reinvestind dob\u00e2nzile vei aduna <a href=\"https:\/\/financer.ro\/calculeaza\/dobanda-compusa\/\">dob\u00e2nd\u0103 la dob\u00e2nd\u0103<\/a>, m\u0103rindu-\u021bi randamentul final.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ia_n_calcul_toate_gradele_de_risc\">Ia \u00een calcul toate gradele de risc<\/h3>\n\n\n\n<p>Beneficiarii care vor ap\u0103rea lista\u021bi \u00een platforma de crowdlending, vor fi distribui\u021bi \u00een func\u021bie de diverse grade de risc.<\/p>\n\n\n\n<p>Acestea variaz\u0103 de la mic la ridicat, <strong>\u00een func\u021bie de evaluarea pe care le-o face algoritmul de calcul<\/strong> la completarea cererii de creditare.<\/p>\n\n\n\n<p>\u00cemprumuturile cu grade sc\u0103zute de risc sunt privite drept mai sigure, banii fiind returna\u021bi mai repede iar ratele achitate la timp. <\/p>\n\n\n\n<p><em>Pe de alt\u0103 parte, creditele cu risc crescut ofer\u0103 dob\u00e2nzi mai mari, deci \u0219i randamente mai bune. <\/em><\/p>\n\n\n\n<p>A\u0219adar, sfatul nostru ar fi <strong>s\u0103 ai un portofoliu diversificat din punct de vedere al riscului<\/strong>, \u00een care s\u0103 \u00eencerci s\u0103 investe\u0219ti \u00een toate tipurile de credite, de la sigure, la riscante.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Analizeaz_i_modific_strategia_de_investiional\">Analizeaz\u0103 \u0219i modific\u0103 strategia de investi\u021bional\u0103<\/h3>\n\n\n\n<p>Toate platformele \u00ee\u021bi vor oferi o sumedenie de date, ce te vor ajuta s\u0103 analizezi corect \u0219i atent detalii legate de portofoliul t\u0103u. <\/p>\n\n\n\n<p>\u00cen consecin\u021b\u0103, <strong>\u00ee\u021bi vei putea ajusta strategia, conform tipologiei clien\u021bilor<\/strong>.<\/p>\n\n\n\n<p>Adesea am auzit exper\u021bi care spuneau c\u0103 \u00een P2P exist\u0103 oric\u00e2nd riscul ca beneficiarul s\u0103 nu \u00ee\u0219i mai achite datoriile, indiferent de gradul de risc pe care i-l atribuie algoritmul de calcul. <\/p>\n\n\n\n<p>Asta \u00eenseamn\u0103 c\u0103 tu ri\u0219ti oric\u00e2nd s\u0103 r\u0103m\u00e2i f\u0103r\u0103 banii \u00eemprumuta\u021bi.<\/p>\n\n\n\n<p>A\u0219adar, ei consider\u0103 c\u0103 dac\u0103 tot accep\u021bi din start aceast\u0103 posibilitate, <em>de ce s\u0103 nu mergi doar pe m\u00e2na acelor \u00eemprumuturi peer to peer cu grad crescut de risc \u0219i dob\u00e2nzi mari?<\/em> <\/p>\n\n\n\n<p>Astfel, \u0219i dac\u0103 se \u00eent\u00e2mpl\u0103 ca unele credite s\u0103 nu \u00ee\u021bi fie returnate, <strong>se va echilibra mai bine suma pierdut\u0103 cu randamentul ridicat al celor pozitive<\/strong>. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Nu \u00eencuraj\u0103m adoptarea acestei strategii. Doar \u00ee\u021bi spunem s\u0103 analizezi singur datele problemei \u0219i s\u0103 tragi o concluzie personal\u0103.<\/p><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"ntrebri_despre_P2P\">\u00centreb\u0103ri despre P2P<\/h3><h4>Ce sunt \u00eemprumuturile P2P?<\/h4><div class=\"faq_inner\"><p>\u00cemprumuturile P2P sunt ni\u0219te instrumente financiare prin care persoane care au nevoie de bani, pot apela la diverse platforme pentru finan\u021barea unui credit.<\/p>\n<p>Ace\u0219tia trec printr-un algoritm de verificare, iar dac\u0103 totul este \u00een regul\u0103, apar apoi pe site-urile respective, iar <a href=\"https:\/\/financer.ro\/credit\/imprumut\/\">\u00eemprumuturile <\/a>sunt finan\u021bate de c\u0103tre unul sau mai mul\u021bi utilizatori.<\/p><\/div><h4>Cum se pot \u00eemprumuta bani prin peer to peer?<\/h4><div class=\"faq_inner\"><p>Modul de func\u021bionare al unui credit peer to peer este foarte simplu. Odat\u0103 ce un beneficiar este aprobat, datoria lui apare pe site-uri de specialitate, \u00eempreun\u0103 cu o dob\u00e2nd\u0103 aferent\u0103 banilor credita\u021bi. <\/p><p>Suma necesar\u0103 poate fi apoi \u00eemp\u0103r\u021bit\u0103 de c\u0103tre unul sau mai mul\u021bi creditori, ace\u0219ti primind de la o lun\u0103 la alta parte din credit \u00eenapoi, plus dob\u00e2nda la care au fost de acord s\u0103 \u00eemprumute banii.<\/p><\/div><h4>Cum au ap\u0103rut aceste credite?<\/h4><div class=\"faq_inner\"><p>Dup\u0103 marea <a href=\"https:\/\/financer.ro\/economii\/sfaturi-criza-economica\/\">Criz\u0103 Financiar\u0103<\/a> din 2007, nevoia de bani a popula\u021biei era tot mai mare, iar condi\u021biile impuse de c\u0103tre b\u0103nci pentru credite tot mai greu de \u00eendeplinit. C\u0103ut\u00e2nd noi solu\u021bii pentru ob\u021binerea de fonduri, au ie\u0219it pe pia\u021b\u0103 aceste \u00eemprumuturi P2P, care s-au dovedit a fi un real succes.<\/p><\/div><h4>Cum po\u021bi face bani din P2P?<\/h4><div class=\"faq_inner\"><p>Ca investitor, nu \u00ee\u021bi va fi prea greu s\u0103 ie\u0219i pe plus din investi\u021biile \u00een peer to peer. Tot ce trebuie s\u0103 faci este s\u0103 te \u00eenregistrezi pe una dintre platformele cunoscute \u00een domeniu, s\u0103 fii foarte atent la ce credite sunt disponibile \u0219i s\u0103 le alegi doar pe acelea care au \u0219anse mai mari s\u0103 fie pl\u0103tite.<\/p><p>Profitul va fi generat automat din dob\u00e2nda la care cazi de acord s\u0103 \u00eemprumu\u021bi beneficiarul.<\/p><\/div><h4>Cum s\u0103 ai succes \u00een astfel de investi\u021bii?<\/h4><div class=\"faq_inner\"><p>Cu toate c\u0103 nu exist\u0103 o re\u021bet\u0103 unic\u0103 pentru a avea succes \u00een investi\u021bii P2P, dac\u0103 \u00ee\u021bi diversifici foarte bine portofoliul \u0219i \u00eemprumu\u021bi sume foarte mici de bani, unui num\u0103r c\u00e2t se poate de mare de beneficiari, ai \u0219anse mari ca banii t\u0103i s\u0103 genereze un randament peste cel oferit de c\u0103tre b\u0103nci prin ale lor <a href=\"https:\/\/financer.ro\/economii\/dobanzi-depozite\/\">dob\u00e2nzi depozite<\/a>.<\/p><\/div><h4>Po\u021bi pierde bani prin investi\u021bii P2P?<\/h4><div class=\"faq_inner\"><p>Sigur c\u0103 da. Ca orice alt\u0103 form\u0103 de investi\u021bie, nici aceasta nu este 100 % sigur\u0103. De aceea, te sf\u0103tuim s\u0103 cite\u0219ti c\u00e2t se poate de mult despre tot ce \u021bine de peer to peer \u0219i s\u0103 fii sigur c\u0103 st\u0103p\u00e2ne\u0219ti foarte bine domeniul \u00eenainte de a te decide s\u0103 \u00ee\u021bi plasezi banii \u00een a\u0219a ceva.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"P2P_scurt_istoric\">P2P scurt istoric<\/h2>\n\n\n\n<p>\u00cen \u00eencheiere, pentru cei mai curio\u0219i dintre vizitatorii no\u0219tri, ne-am g\u00e2ndit c\u0103 nu ar strica dac\u0103 am vorbi pu\u021bin despre <strong>cum au luat na\u0219tere aceste \u00eemprumuturi peer-to-peer<\/strong>.<\/p>\n\n\n\n<p><em>Finan\u021b\u0103rile P2P au ap\u0103rut imediat dup\u0103 Criza Financiar\u0103 din 2007. <\/em><\/p>\n\n\n\n<p>Atunci, rigorile pentru acordarea de credite au fost \u00een\u0103sprite la nivel mondial, iar <strong>nevoia de bani a cet\u0103\u021benilor nu mai putea fi satisf\u0103cut\u0103 doar de c\u0103tre institu\u021biile bancare<\/strong>.<\/p>\n\n\n\n<p>\u00cen acela\u0219i timp, dob\u00e2nzile la conturile de economii abia dac\u0103 dep\u0103\u0219eau 0.25 %. \u00cens\u0103 existau oameni care doreau s\u0103 \u00ee\u0219i investeasc\u0103 fondurile \u00eentr-un instrument care s\u0103 fie c\u00e2t de c\u00e2t sigur \u0219i care s\u0103 ofere un randament acceptabil.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Peer_to_peer_soluia_tuturor_problemelor\">Peer to peer, solu\u021bia tuturor problemelor<\/h3>\n\n\n\n<p>Ei bine, inven\u021bia acestor \u00eemprumuturi peer-to-peer <strong>a oferit solu\u021bia perfect\u0103 pentru toate p\u0103r\u021bile implicate<\/strong>:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Beneficiarii \u00eemprumuturilor aveau, \u00een sf\u00e2r\u0219it, acces la sumele de bani mult dorite, f\u0103r\u0103 s\u0103 fie nevoi\u021bi s\u0103 pl\u0103teasc\u0103 dob\u00e2nzile exorbitante \u0219i s\u0103 \u00eendeplineasc\u0103 toate condi\u021biile ridicole impuse de c\u0103tre b\u0103nci<\/p>\n<\/li><li><p>Investitorii aveau o form\u0103 de plasament ce oferea randamente net superioare depozitelor bancare, expun\u00e2ndu-se unor riscuri ceva mai mari, dar totu\u0219i mai mici fa\u021b\u0103 de cele ale <a href=\"https:\/\/financer.ro\/investitii-in-actiuni-vs-investitii-imobiliare\/\">ac\u021biunilor<\/a><\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Practic, gra\u021bie beneficiului mutual at\u00e2t al beneficiarului, c\u00e2t \u0219i al creditorului, <strong>\u00eemprumuturile peer to peer au devenit un succes aproape imediat<\/strong>. <\/p>\n\n\n\n<p>De la o baz\u0103 care la \u00eenceputul anului 2011 era aproape egal\u0103 cu zero, pie\u021bele P2P se estimeaz\u0103 c\u0103 vor valora peste 1000 miliarde Dolari Americani p\u00e2n\u0103 la finele anului 2025.<\/p>\n\n\n\n<p>Mul\u021bi exper\u021bi financiari prezic c\u0103 <strong>trend-ul peer to peer va tot cre\u0219te \u00een anii ce vor urma<\/strong> \u0219i c\u0103 nu se va mai ajunge niciodat\u0103 la autocra\u021bia financiar\u0103 a sistemului bancar ce exista \u00eenainte de criza din 2007. Dac\u0103 lucrurile vor fi a\u0219a, r\u0103m\u00e2ne de v\u0103zut.<\/p>\n\n\n\n<p>Cert este c\u0103 aceast\u0103 pia\u021b\u0103 este una excelent\u0103 pentru persoanele interesate de o modalitate de a-\u0219i diversifica portofoliul de investi\u021bii.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Cuvnt_de_ncheiere\">Cuv\u00e2nt de \u00eencheiere<\/h3><p><strong>Sper\u0103m c\u0103 prin acest articol am reu\u0219it s\u0103 te ini\u021biem \u00een tainele investi\u021biilor P2P<\/strong>.<\/p>\n<p>Chiar dac\u0103 lucrurile sunt, poate, ceva mai complicate fa\u021b\u0103 de cum am l\u0103sat noi s\u0103 se \u00een\u021beleag\u0103 aici, nu vedem un motiv pentru care nu ai \u00eencerca s\u0103 \u00ee\u021bi diversifici portofoliul investi\u021bional apel\u00e2nd la \u00eemprumuturi peer-to-peer.<\/p>\n<p>Cu toate c\u0103 p\u0103rerile sunt \u00eemp\u0103r\u021bite, nu se poate nega faptul c\u0103 persoane care au investit corect \u00een aceste instrumente au reu\u0219it randamente anuale care au dep\u0103\u0219it 10 %.<\/p>\n<p>Tot ce trebuie s\u0103 faci este\u00a0<strong>s\u0103 te informezi foarte bine \u00eenainte de a te apuca s\u0103 plasezi bani \u00een a\u0219a ceva<\/strong>\u00a0\u0219i s\u0103 alegi una dintre cele mai cunoscute platforme dedicate P2P.<\/p>\n<p>Ca sfat din experien\u021ba proprie \u0219i analiz\u00e2nd ce spun cei mai mul\u021bi anali\u0219ti financiari care cunosc acest domeniu, \u021bi-am sugera <strong>s\u0103 nu investe\u0219ti mai mult de 10 % din venitul lunar net \u00een \u00eemprumuturi peer to peer<\/strong>, cel pu\u021bin nu la \u00eenceput.<\/p>\n<p>Dup\u0103 ce \u00eencepi s\u0103 prinzi ideea de func\u021bionare, po\u021bi cre\u0219te pu\u021bin sumele cu care intri, dar ar fi bine ca astfel de plasamente s\u0103 nu dep\u0103\u0219easc\u0103 20 % din portofoliul propriu.<\/p><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"#top\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_self\"  rel=\"nofollow\">Compar\u0103 cele mai renumite platforme P2P din \u021bara noastr\u0103<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Cu investi\u021bii P2P te po\u021bi bucura de randamente de p\u00e2n\u0103 la 19.57 % pe an \u00cemprumuturile P2P sau peer to\u2026 <\/p>\n","protected":false},"author":77,"featured_media":20981,"parent":1200,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":true,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[42],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/29135"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=29135"}],"version-history":[{"count":24,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/29135\/revisions"}],"predecessor-version":[{"id":43162,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/29135\/revisions\/43162"}],"up":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/1200"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/20981"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=29135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=29135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/tags?post=29135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}