Statistics

My Account

31 391 928 BGN

Financed amount

2809

Financed loans

1849

Active investors

11 175 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

6.6%

Min. 3.5% Max. 15.0%

Annual Percentage Rate

8.3%

Min. 3.6% Max. 20.0%

Average Annual Percentage Rate for the last 12 months

Production of Klear consumer credits
Source: BNB statistics

Our borrower

Average Age 36

Women

Men

University Degree 66%

University

High School

High School Professional

College

Preliminary

Elementary

Home owner 56%

Owner

Living with parents

Rent

Owner, with mortgage

Other

Labor contract 81%

Labor Contract

Management Contract

Independent

Sole Trader

MaternityLeave

Other

Civil Contract

Without Contract

Student

Retired By Illness

Season Worker

Retired

Over 3 years on current job 48%

Above 5 years

2 years

1 year

3 - 4 years

Average Income 2 685 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 3 364 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

Home Improvement
25%

Consolidation
18%

Car or Motorbike
16%

Financed amount by segment

S

Return 4.0%

Interest 4.7% - Loss 0.7%
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 95.1%
1 Installment < 10 days 2.4%
1 Installment ≥ 10 days 1.0%
2 Installments 0.8%
3 Installments 0.3%
4+ Installments 0.4%

Principal amortization

In amount (BGN)

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

Liquidity

Listing all credits from a portfolio for sale results in 92% of them being sold within 5 days*.

*The example is based on statistical data for all credits since the beginning of the platform.

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.

Net repaid interest by borrowers (cumulative) until 31.01.2023.

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.

Download

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