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How to Invest Money in P2P Lending to Generate Monthly Income?

"Ulrike Socha" (2019-12-11)


토렌트 사이트 추천Rigid and time-consuming procedures of official financial institutions have involuntarily paved the way towards the dawn of Peer to Peer lending. The P2P industry has grown enormously in less than a decade. Today, P2P firms have become a viable alternative to standard bank loans and 토렌트 사이트 long-established investment options. The P2P firms are thriving successfully by satisfying personal loan need of the customers in shorter duration; while at the same time providing investors above-average market returns. It has added the ease to borrowing and investing alike. The working concept of P2P follows match-making on an internet platform, where borrowers and lenders come together, to enter a debt financing contract on mutually agreed terms. Listed below are a few reasons to choose P2P lending as an investment option -

i. Significantly Higher Returns in shorter durations

Peer to peer lending is an excellently advancing alternative investment option. The P2P investment offers standout returns in comparison to traditional investment options. The returns from bank fixed deposit and savings account are in the middle of 6-7% p.a. which can never beat the inflation. While equity and mutual funds are unassured which fluctuates as per the market index. But, P2P lending offers 12%-36% p.a. returns with timely adjusted risk.

ii. P2P Investing is quite simple

In comparison to other investment option (stocks or mutual funds); P2P investing is quite simple. As a lender, you merely have to sign up with the P2P lending website, select loans from the borrowers listing and transfer the funds into your escrow account. Without any deviations, this form of investment offers fixed monthly returns throughout the entire investment. Thus, ensuring steady income returns.

iii. Steady Income in the form of Monthly repayments with Interest

The returns the investment in the form of EMIs (principal + interest). Rather than taking the cash back, a lender can reinvest the repayments to further enjoy the compounding benefits. Hence, it is a recurring revenue generating investment option. This is the primary reason that investors are sprinting towards P2P lending for investment.

iv. Diversification on Investment

Diversification benefits of P2P lending make it more rewarding investment option. There are various loan risk profiles. You can diversify your portfolio with different loan types - debt consolidation, business funding, home renovation, loan for a wedding or home appliances purchase and much more. With diversification, you have better chance to maximize the ROI.

Have you invested in P2P?

Although there is a risk while lending money in the form of Personal loans but provided if you choose to invest carefully with a well-diversified portfolio; it unquestionably offers Investments with High Returns. With monthly returns in the form of EMIs (principal and interest), it is a regular income generating investment. Thus, the future belongs to Peer to Peer lending.

Faircent is India's leading P2P lending company offering alternative finance option. It is a credit marketplace for people to lend and borrow money to each. Borrowers get low interest rates on Personal Loans , while investors can diversify their portfolio in new asset class offering Investments with High Returns . Learn How to Invest money in P2P to earn returns as high as 36% p.a. by means of lending.