[Korea financial newspapers around the lower cervical reporter] P2P finance rendit announced the 2652 s cumulative lending data analysis.
Rendit said appeared over 112 days re-aged loans accounted for 47.6% as a result, loan purpose of analyzing the data suggest cumulative loan 2652. Shop loans, deposit loans, wedding expenses, car purchase, medical funds was followed.
In the re-aged loans stars eopgwon rate if change cars at the most common card loans, savings banks and 20.8% to 52.4%, capital was 18.7%, 6.9%, lenders, insurance and 1.2%. The average interest rate was re-aged loans customers will pay before the great tribulation while there were customers who pay the high interest rates of over 30% to 20.4%. After receiving the re-aged loans rendit was found to have decreased by 9.3% points in the average interest rate paid to 11.1%.
Comparing the eopgwon by re-aged before and after the average interest rate lenders are re-aged before and after the great tribulation at 29.9% showed the greatest difference to 18.7% P is reduced to 11.2% of the savings banks 16.5% P, card loans 6.7% P, Capital, 4.8% P, Insurance was 2.3% P net.
Suppose we look at in terms of the actual interest expense paid a two-year contract, principal and interest equal repayment method, the total re-aged loans customers a total of 3.57 billion won between interest expenses had to be paid two years before the great tribulation. But after the great tribulation through rendit is included in interest expense is 1,940,000,000 won two years, we were able to save the interest of the total 1.63 billion won.
And credit of the CB 1 ~ 3 grade one who took advantage of the rendit.
The result analysis of the distribution of credit rating borrowers rendit, CB 1 ~ 3 grade credit and who accounted for 41.8%. Rendit said that the High-users are reasons to use P2P lending is interpreted to be due to it as quickly and conveniently provide online non-face-to-face service, be provided with a reasonable interest rate than a savings bank or card loans.
Kim Seongjun rendit representative "rendit ever showed the fact that the enforcement of the loan to the analysis of all loan data execution result, re-aged loans, as well as comparison with other eopgwon in loans to non-catastrophic disaster objectives significantly lower interest rate" and "future more sophisticated and will go further improve the qualitative improvement of household debt junggeumri provide affordable loans, "he said.
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