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потребителски кредит
How is the interest rate of the borrower defined?

We apply risk based pricing methodology. Borrowers from segment A will receive the lowest interest rate and segment D the highest.

 

We define the pricing having two objectives in mind.

  • First, on each segment, Klear should be cheaper than the other players, especially banks, in order to ensure a positive selection and attract the best borrowers.

  • Second, on each segment we defined an expected return for the investors, after risk.

    For example, borrowers from Segment B will pay in average a yearly interest rate of 8%. Assuming that in average, each year 2.3% of the remaining principal is not paid (defaulted), then the net return should be 5.7% yearly, providing that the investor is well diversified in a large a number of loans.

    For segment D, we target a higher return after risk because this segment is more sensitive to a deterioration of the economy.


As we are a marketplace, conditions would be adjusted regularly in order to find an adequate balance between borrowers and investors.