Estado de las inversiones en Crowdestor

Bueno 

lento pero al menos nos están enviando ya información de los diferentes estados de cada inversion.



https://crowdestor.com/uploads/Project_statuses_list.pdf?utm_medium=email&utm_campaign=outstanding-portfolio-update&utm_source=platform

Por lo que veo de un rápido vistazo, 1/3 de todos ellos están en concurso de acreedores, y hasta el momento se esta cobrando entre un 30 y un 70 % de los prestamos originales, salvando la importancia de cada cual, mas o menos creo que se recuperaran el 50% de las inversiones, con tiempo por que se hacen subastas y eso es un nido de viboras.

Yo creo que de los otros 2/3 partes, aun caera un tercio mas, simplemente por antiguedad, con lo que si tenéis pillados como es mi caso todavía unos 2.300 euros, creo que entre 600/700 será la recuperación, el resto a perdidas y a HACIENDA.

No me podre quejar mucho, aun asi sacare beneficio, pero la rentabilidad será de como mucho un 5% cuando llegue a ganar mas de un 25% en la plataforma, ademas del tiempo que tengo inactivo el importe, no antes de 3 años se cerrara todo en el mejor de los casos.


Dear Investors,
We would like to update you on our ongoing efforts to manage and resolve outstanding projects in CROWDESTOR's portfolio.
To provide a more comprehensive view of the overall portfolio performance, we have categorized and evaluated projects based on their current status and progress towards resolution. Therefore, we present you an overview of all projects/borrowers categorized into five distinct statuses, each indicating the current phase in the recovery process.
We hope this classification offers a greater insight into the portfolio performance, both historical and future, and the statuses of individual projects, helping you better understand the progress being made. 
Please see charts showing the distribution of statuses by monetary amounts (mln. EUR) and statuses by borrower count:

Please see an explanation of each status type:
Repaid - “Statuses by monetary amounts” chart includes repaid principal and interest. “Statuses by borrower count” chart shows the number of borrowers with repaid projects”
Solution in progress - active efforts are being made to address the delinquency and projects are under resolution. The borrowers remain responsive in communication and are optimistic about concluding the projects. Time is given to restructure/resolve projects leading to a repayment.
Under assessment - recovery strategies are being developed, and potential recoverable amounts are being evaluated. Projects are actively being assessed for the most suitable recovery pathway with the aim of restoring the loan to good standing. As the solutions become clearer and more defined, projects may transition either to the "Solution in progress" or "Pre-litigation phase"
Pre-litigation phase - projects that are being prepared for legal action. The necessary steps for the legal proceeding initiation are being taken.
Court/Insolvency/Bailiff - legal proceedings, such as court actions or insolvency proceedings, have been initiated and enforcement actions may be carried out by bailiffs, insolvency administrators or other authorized parties to recover outstanding amounts. The resolution of the loan situation is no longer within the control of the CROWDESTOR. The outcome is largely determined by decisions and processes of the legal system, and the platform's role may be limited to complying with legal requirements or providing necessary documentation or information as requested.