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, transparency and technology for you personally
Innovation in individual loans
As a Fintech, Mutual brings a brand new method of linking people who require cash to people who seek to benefit being a bank.
Technology on your side
Our platform enables a lot more people to own quick access to the credit market, with a careful assessment, totally online and without bureaucracy.
Your need is our need
All of us is definitely willing to direct you towards the easiest way feasible. Our specialists assist you to reach your objectives in a safe and clear method.
+ 600.000 users
Through shared you are able to submit an application for loans without red tape or commit in a way that is flexible.
+ 9.000 loans
The majority are prepared to provide cash with quick approval.
+ 21 million reais invested
Your investment may have a return all the way to 400percent of CDI per year
Reviews
Investors and borrowers referring to their experiences with shared
We spent on Mutual. The application is secure and reliable. They keep their term and spend perfectly! (. )”
Pretty helpful. The income would go to the financial institution account prior to when expected. And so they nevertheless call to ensure in the event that cash is actually in your bank account. We really enjoyed both the eye they provide as well as the love using the consumer.”
recently i joined Mutual as an investor, and whenever We have concerns I am answered by them as quickly as possible. I’ve absolutely absolutely nothing negative to state. The theory is excellent (. )”
These are generally those who show an interest that is real satisfying your need”
exemplary value idea for borrowers and investors.”
Rogerio S.
I would like to thank Mutual. We made the mortgage application on 03/11/2018 and i received the approval of my loan the amount is already in my bank account today. Congratulations in the good task and transparency. We m planning to honor my dedication.”
what’s the investment guarantee? Can there be insurance coverage if the debtor doesn’t pay?
There’s absolutely no insurance. In Mutual the investor is practically such as for instance a bank. It is possible to, with an intention rate as high as 400percent of CDI a have the opportunity to analyze the borrower’s credit information (the score and risk of the operation) and invest based on that information year.
In the event that debtor will not spend the mortgage, Mutual does the collection that is entire to recover the main amount plus fines to be late. We make use of a proprietary collection system for automatically notifying the debtor regarding the deadline, together with effects to be late with their re payment through different means such as for example phone, whatsapp, SMS and email. Alongside this automatic system, we now have a group of committed collection professionals trying to recover any belated re re payments. We also register the mortgage standard during the Brazilian nationwide credit reporting agencies, preventing the debtor from using other loans.
In situations of delinquency higher than 3 months, Mutual includes a team that is legal to enter because of the judicial collection with respect to the investor.
we ve defaulted on a current loan, may I request one at Mutual?
After approving my enrollment as debtor, exactly how quickly will the income head to my payday loans CO banking account?
As soon as your enrollment is authorized, you’ll submit an application for a loan inside the limit that is pre-approved your bank account, which is offered to subscribed investors inside our software. 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 amount of money will take your account within 4 trading days!
* After being posted, the mortgage is active for 15 times 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! We have been a banking correspondent so 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 game of correspondent banking is controlled because of the Central Bank of Brazil, based on the Resolution No. 3,954, of February 24th, 2011.
It is essential to declare that Fintechs must conform to the legislation relevant to many other finance institutions, such as the money application and cash laundering avoidance legislation.
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