chtel bych poprosit zkusesnejsi o radu.
Kdyz se podivam na nejaky uver napr: https://www.mintos.com/en/3196733-01
Tak ma Interest Rate 13.0%
Kdyz spocitam XIRR z payment schedule viz obr Tak mi vyjede 14.00% viz sloupec Principal
1) Je zajimave, ze splatky nejsou konstantni, ale meni se. (viz sloupec Total) To je asi zpusobeno spreadem, ktery je popsan dole.
2) Co je zvlastni, tak ani pomer dvou nasledujicih splatek jistiny(sloupec principal) neni konstantni. viz sloupec Principal Ratio = 411.58/409.19=0.58408%, kdyz jsem to zkousel normovat poctem dni tj. Normalized = Principal Ratio / delka obdobi * 30 tj. neco jako mesicni urokova mira, tak to taky neni konstantni.
3) kdyz zainvestuji ten uver, tak kolik dostanu na urokach? 13.0% nebo 14.0% procent. Zatim me jeste nedobehl zadny uver do konce, takze si to nemuzu overit. Muzete prosim nekdo postnout vase data (mintosem zaplacene uroky, payment schedule) aspon pro jeden uver, abych si to mohl propocitat?
Na http://p2pindependentforum.com/thread/4 ... le-strange je nejake vysvetleni, ale moc z toho nejsem moudry.
Pak jsem se dival na YTM na sekundarnim trhu a nejak se nemohu dopocitat toho YTM viz obr. 4) Vybrane uvery maji stejny Interest rate, Term i discount a presto je YTM ruzna. proc?The borrower is not the loan originator, but the borrower of the loan. Investors have a direct claim towards the borrowers not loan originators.
An example. The loan originator issues a loan at 35% interest rate. The loan originator then puts that loan on Mintos marketplace at 15%. When the borrower makes the monthly payment the loan originator will take 20% interest rate spread (to cover the operating expenses of originating and servicing loans and to cover the buyback guarantee, if any is provided) and pass the principal plus the 15% that are attributable to the investors to investors. In the payment schedule investors see what payments are to be received from the borrower, those are not estimations.
5) Ani vypocet YTM me nesedi. V tomto pripade je situace jednoducha, protoze uvery trvaji cely jedn rok -> YTM=(urok za rok - premie)/(investice) = (100*0.14-100*0.01)/(100*1.01)=(0.14-0.01)/(1.01)=12.87% a ne tech 12.2-12.3%.
Mate na to nejaky vysvetleni?
Na podporu mintosu jsem psal, ale zatim nemam vysvetleni.
Diky
Vitek