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потребителски кредит

Statistics

Last updated on 21.09.2017

3 029 682 BGN

Financed amount

329

Financed loans

486

Active investors

9 209 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
7.3%
Min. 5.7% Max. 14.1%
Annual Percentage Rate
8.7%
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 36
Women
Men
University Degree 74%
University
High School
College
High School Professional
Home owner 59%
Owner
Living with parents
Rent
Owner, with mortgage
Other
Labor contract 83%
Labor Contract
Management Contract
Independent
MaternityLeave
Sole Trader
Civil Contract
Retired
Over 3 years on current job 48%
Above 5 years
1 year
2 years
3 - 4 years
Average Income 2 130 Sum of official income and statistically capped unofficial income of the borrower.
Married / With partner 49%
Single
Married
Living with a partner
Divorced
Widow
Avarage household income 2 744 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
39%
Consolidation
24%
Home Improvement
13%
Car or Motobike
10%
Combination
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 97.5%
  • 1 Installment < 10 days 0.9%
  • 1 Installment ≥ 10 days 0.5%
  • 2 Installments 0.4%
  • 3 Installments 0.4%
  • 4+ Installments 0.3%
Net repaid interest by borrowers (cumulative) In amount (BGN)
  • Repaid interest from borrowers
  • Defaulted loans