A year and the loan has the best rates through mutual investors profit as a bank with a return of up to 400% of CDI.
Shared means innovation, technology and transparency for you personally
Innovation in individual loans
As a Fintech, Mutual brings a brand new means of linking those that require cash to people who seek to benefit as being a bank.
Technology on your side
Our platform permits more and more people to own comfortable access to the credit market, having a careful assessment, totally on the internet and without bureaucracy.
Your need is our need
We is often prepared to direct you towards the simplest way feasible. Our experts assist you to reach finally your objectives in a safe and way that is transparent.
+ 600.000 users
Through shared you can easily make an application for loans without red tape or make investments in a way that is flexible.
+ 9.000 loans
Most are ready to provide cash with fast approval.
+ 21 million reais invested
Your investment might have a return as high as 400per cent of CDI a year
Investors and borrowers speaking about their experiences with shared
We invested on Mutual. The software is secure and reliable. They keep their term and spend very well! (. )”
Pretty helpful. The income would go to the financial institution account prior to when expected. And so they still call to ensure if the cash is actually in your account. I really enjoyed both the eye they provide while the love utilizing the consumer.”
recently i joined Mutual as an investor, and whenever We have concerns I am answered by them as quickly as possible. We have absolutely nothing negative to express. The theory is excellent (. )”
These are typically those who reveal a real fascination with satisfying your need”
exemplary value idea for borrowers and investors.”
i do want to thank Mutual. We made the mortgage application on 03/11/2018 and today We received the approval of my loan the total amount is already during my banking account. Congratulations in the good work and transparency. I m planning to honor my dedication.”
what’s the investment guarantee? Will there be insurance coverage if the debtor will not spend?
There’s no insurance coverage. In Mutual the investor is practically like a bank. You can easily, with an intention price as much as 400per cent of CDI a 12 months, are able to evaluate the debtor’s credit information (the rating and threat of the operation) and spend predicated on that information.
In the event that debtor doesn’t spend the mortgage, Mutual does the collection that is entire to recover the main amount plus fines to be belated. We make use of collection that is proprietary for automatically notifying the debtor associated with the deadline, while the effects if you are belated with their payment through different means such as for example phone, whatsapp, SMS and email. Alongside this system that is automated we now have a group of devoted collection experts trying to recover any belated re payments. We also subscribe the mortgage default during the Brazilian nationwide credit reporting agencies, avoiding the debtor from using other loans.
In situations of delinquency more than 3 months, Mutual includes a appropriate group prepared to enter utilizing the judicial collection with respect to the investor.
we ve defaulted on a loan that is recent may I request one at Mutual?
After approving my enrollment as debtor, just just exactly how quickly will the income head to my banking account?
As soon as your enrollment is authorized, you can easily make an application for that loan inside the pre-approved restriction for your bank account, which is open payday loans in Oregon to authorized investors within our application. It can be approved or not if you are accepted by an investor, our financier will evaluate the loan and at this moment. If authorized, the income will maintain your account within 4 business days!
* After being posted, the mortgage is active for 15 days on our platform. The request will expire from the platform and you can make a new request 🙂 if your request is not accepted by an investor during this time
Is Mutual subject to virtually any legislation?
Needless to say! Our company is a banking correspondent and then we have actually an on-line platform that facilitates the access of clients to services and products made available from partner institution that is financial. The experience of correspondent banking is managed because of the Central Bank of Brazil, in accordance with the Resolution No. 3,954, of 24th, 2011 february.
It is critical to declare that Fintechs must adhere to the regulations relevant with other banking institutions, like the money application and cash laundering avoidance legislation.
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