Statistics

Last updated on 18.01.2020

11 575 330 BGN

Financed amount

1283

Financed loans

1385

Active investors

9 022 BGN

Average loan amount

Average price of our loans

This is a weighted average price of all loans ever financed. We use as weight the financed amount of each loan.

Nominal Interest Rate
7.2%
Min. 5.7% Max. 14.4%
Annual Percentage Rate
8.9%
Min. 6.5% Max. 17.0%
Annual Percentage Rate - Klear vs Banks
Banks
Annual percentage rate (APR)
  • Source: BNB statistics
  • Production of Klear consumer credits
Our usual borrower
Average Age 35
Women
Men
University Degree 69%
University
High School
High School Professional
College
Preliminary
Elementary
Home owner 56%
Owner
Living with parents
Rent
Owner, with mortgage
Other
Labor contract 83%
Labor Contract
Management Contract
Independent
Sole Trader
MaternityLeave
Civil Contract
Other
Without Contract
Student
Season Worker
Retired
Over 3 years on current job 46%
Above 5 years
1 year
2 years
3 - 4 years
Average Income 2 256 Sum of official income and statistically capped unofficial income of the borrower.
Married / With partner 48%
Single
Married
Living with a partner
Divorced
Widow
Avarage household income 2 843 Sum of official income and statistically capped unofficial income of the borrower and the partner.
Approved with loans in delay 0%
With good credit history
Without credit history
Top financed projects
Combination
Home Improvement
Consolidation
Car or Motobike
Principal amortization In amount (BGN)

It shows how the principal of all credits will be repaid in time, according to their current payment schedules

Funding sources of the loan portfolio In amount (BGN)

Investors acquire parts of the portfolio. The remaining is owned by Klear and funded by Klear Share Capital and Treasury Lenders*

  • KLEAR
  • Treasury Lender *
  • Retail investors

* Treasury lender is an investor lending money to Klear for the purpose of financing loans.

Financed amount by segment
  • A

    Return 4.7%

    Interest 5.9% - Loss 1.2%

  • B

    Return 5.7%

    Interest 8.0% - Loss 2.3%

  • C

    Return 6.7%

    Interest 10.8% - Loss 4.1%

  • D

    Return 7.7%

    Interest 14.0% - Loss 6.3%

Outstanding split by delay
  • No Delay 94.2%
  • 1 Installment < 10 days 2.0%
  • 1 Installment ≥ 10 days 0.6%
  • 2 Installments 1.6%
  • 3 Installments 0.6%
  • 4+ Installments 1.0%
Net repaid interest by borrowers (cumulative) until 31.12.2019. In amount (BGN)
  • Repaid interest from borrowers
  • Defaulted loans
Consumer loans portfolio Export in Excel format of detailed information for all consumer loans disbursed by Klear.
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