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IStock / City Presse
The bank is no longer an essential actor to finance a personal or professional project.
In addition to loans between friends, there are now a multitude of crowdfunding platforms that offer households to borrow from the community or to improvise themselves as lenders.
This particular branch of
crowdfunding is
called
crowdlending.
Lucrative mutual aid
Credit between individuals is one of the many responses of the sharing economy to the obstacles and costs that punctuate the traditional ways.
Why take out a loan at a rate of more than 4% to buy a new car or change your kitchen when the same transaction can be negotiated at half the cost and with more flexible terms?
This reasoning is pushing more and more individuals to turn to collaborative lending internet platforms.
On the other side of the checkbook too, we did our accounts.
Rather than blocking their savings in products with relative profitability, some lenders also prefer to use them to finance the projects of others, in return for an attractive annual return.
Beware of the traps!
Despite these tempting promises, we must remain on our guard because we should remember that such an investment is not guaranteed in capital.
So you can lose all your money.
Likewise, many borrowers are victims of scams that consist of charging them so-called application fees without ever paying the promised funds.
To avoid falling into these traps, we must first of all remain lucid: a loan of a large amount at a particularly low interest rate and, moreover, on very flexible terms never bodes well.
While it is obviously necessary to throw directly in the trash canvassing pseudo-offers sent by email, it is also necessary to check the reliability of the platforms before committing.
Go through a recognized crowdfunding site, after having checked that it was registered in the unique register of intermediaries in insurance, banking and finance (available on Orias.fr).
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The right reflexes
Identify the service provider: do not rely solely on the telephone numbers, address and Siren or Siret number for registration in the Trade and Companies Register.
The peer-to-peer lending platform must also be registered with Orias.
Obtain reliable information: companies acting within the legal framework are listed, according to their status, in the Register of financial agents available on www.regafi.fr or on www.orias.fr.
Find help: if in doubt, contact the ABE Info Service information platform on 0811 901 801 (0.05 euro / min + the price of a local call) or that of Info Escroqueries on 0 805 805 817 (free call).
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