How to Invest Bitcoins -Borrow ,Invest and earn

BITBOND 
THE NEW WAYTO BUSINESS 


"Money is the opposite of the weather. Nobody talks about it, but everybody does something about it."
                                                                                                - Rebecca Johnson

Bitbond Small Business loans

  • Earn Commission in Bitcoin 
  • Earn till your customer is invested with BITBOND
  • 20% commission earned from borrowers
  • 30% commission earned from lenders


Bitbond Bitcoin Lending
  • Now You may be able to invest your bitcoins and get 13% interest rate in bitcoin.
  •  weeks: single repayment (zero coupon type)
  • 6 months: monthly repayment of constant annuity (amortizing type)
  • 12 months: monthly repayment of constant annuity (amortizing type)
  • 36 months: monthly repayment of constant annuity (amortizing type)
  • 60 months: monthly repayment of constant annuity (amortizing type)

Loan amounts

  • Minimum loan amount for borrowers: BTC 0.1
  • Maximum loan amount for borrowers: depends on personal debt capacity, all outstanding loans, and ongoing loan requests are taken into account
  • Denomination of a loan: BTC 0.01 (this is the amount of one note)
  • Minimum bid amount for lenders: BTC 0.01
Bitbond Small Business loans


Number of loans

Every borrower can have a maximum of 1 ongoing loan. This includes loans that are currently listed ("in funding") and loans that have been funded and are not repaid, yet.

Auction

The auction lasts a maximum of 14 days and ends earlier when the requested amount is reached. During the auction period lenders are bound to their bids.

Funding threshold

A loan is funded and paid out to the borrower either if the requested amount is reached during the auction period or if the funded amount reaches 60% or more of the requested amount at the end of the auction.

Early repayment

Loans with a term of 6 weeks can not be repaid early. Loans with a term of 6 months or more can be repaid early, but not before the first payment of the loan is due.

Interest rates

Interest rates are set according to the borrowers' creditworthiness which is determined by their rating (risk-based pricing). Interest rates vary according to the borrowers' rating and the term of the loan. All payments of interest and principal are paid to lenders according to their number of notes held.
All interest rates are stated on a per annum (p.a.) basis to make loans of different terms comparable. The stated rates are nominal rates which mean that the effective APR for a lender can vary slightly depending on the concrete payment schedule. You can view all payment schedules of your holdings under 'Investments' in your account and copy paste them directly into a spreadsheet for further calculations. The interest rate payment is always calculated based on outstanding principal at the payment due date.

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Fees

We have the smallest fees of all peer-to-peer lending platforms. Let us know if you think otherwise!

Origination fee (gets deducted from the loan amount prior to disbursement)

  • 6 weeks term loan: 1.0% of the funded amount
  • 6 months term loan 1.5% of the funded amount
  • 12 months term loan 2.0% of the funded amount
  • 36 months term loan 2.5% of the funded amount
  • 60 months term loan 3.0% of the funded amount

Lender fees

We do not charge any fees for investing in bitcoin loans or for registration as a lender.

Tax treatment

All fees are VAT exempt according to §4 no. 8a UStG (German VAT act)

SOURCE: Bitbond Rates
Bitbond Bitcoin Lending


5 reasons for Bitbond’s fixed income investments

1. Diversify your investments globally


  • With Bitbond you can fund loans of small business owners from all around the world. This includes countries such as the UK, India, Germany and many others. Our AutoInvest tool will help you to create a globally diversified portfolio of loans. This way you become less exposed to economic cycles in individual countries. You can start with as little as $5.

2. Join over 1,800 happy investors

  • Bitbond has users from over 120 countries and is the first global marketplace lending platform for small business loans. Over 1,800 happy individual and institutional lenders have funded more than 1,300 loans through Bitbond. To make our global approach economically feasible, we use the bitcoin blockchain as a rail for cross-border payments.

3. Manage your risk easily

  • All borrowers on Bitbond are carefully checked. This includes a video identity verification and a thorough creditworthiness assessment. Applicants grant Bitbond read access to their business and seller accounts (eBay, Amazon, MecadoLibre, PayPal, bank account, accounting software etc.) for income verification. Our machine learning algorithm evaluates the data from these accounts plus we conduct a manual review. Each borrower gets a rating between A and F to let you choose the risk level that you are comfortable with. This helps to keep your fixed income investments safe on Bitbond


4. Unlock high-interest rates

  • Banks offer historically low-interest rates on fixed term deposits. The actual return is often negative when inflation is taken into account. Bitbond lets you avoid losing capital with interest rates of 10% to 35%. The expected return is approximately 13% per year in a diversified portfolio after bad debt. You can choose from loan terms of 6 weeks to 5 years. All of this while you help entrepreneurs to grow their business.

5. Invest conveniently online

  • On Bitbond everything is done online. From registration to investing. You don't need to visit a bank branch or fill out papers. Our site is optimized for all types of screens which make investing, even more, fun. If you don't have the time to review loans manually you can set up AutoInvest which will create a diversified portfolio according to your preferences. Since Bitbond is so efficient, we charge 0% fees to lenders, meaning you keep all the returns from your fixed income investments.

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