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{"id":597,"date":"2017-07-13T09:59:49","date_gmt":"2017-07-13T06:59:49","guid":{"rendered":"https:\/\/tasaneinvestor.wordpress.com\/?p=597"},"modified":"2017-07-13T09:59:49","modified_gmt":"2017-07-13T06:59:49","slug":"murepilved-twino-kohal-voi-naen-ma-tonti-seal-kus-seda-pole","status":"publish","type":"post","link":"https:\/\/elunaut.rahajutud.ee\/2017\/07\/13\/murepilved-twino-kohal-voi-naen-ma-tonti-seal-kus-seda-pole\/","title":{"rendered":"Murepilved Twino kohal? V\u00f5i n\u00e4en ma tonti seal, kus seda pole?"},"content":{"rendered":"

Juba m\u00f5nda aega on minu j\u00e4lgitavates \u00fchisrahastusteemalistes foorumites ja blogides k\u00e4inud l\u00e4bi kriitilisi noote seoses L\u00e4ti \u00fchisrahastusportaali Twinoga. Kas t\u00f5esti on seni paljude investorite lemmikuks olnud Twinol tekkinud probleeme v\u00f5i on v\u00e4ikeinvestorite \u00fcles puhutud hirm alusetu?<\/p>\n

Minu jaoks on Twino portaalil kaks v\u00e4ga suurt plussi:<\/p>\n

1. Portaal on \u00e4\u00e4rmiselt likviidne. Paari tuhande euro v\u00e4\u00e4rtuses laene on v\u00f5imalik maha m\u00fc\u00fca sisuliselt minutite jooksul, kuna eraldi “secondary marketit<\/em>” ei eksisteeri ja m\u00fc\u00fcdavad laenud ja uued laenud on inimestele valimiseks samas kohas.<\/p>\n

2. Buyback laenude tagasiostugarantii rakendub 30 p\u00e4eva p\u00e4rast laenu hapuks minekut. Seega, ei risustanud probleemsed laenud minu laenuraamatut nii kaua nagu n\u00e4iteks Mintoses, kus tagasiost rakendub 60 p\u00e4eva m\u00f6\u00f6dudes.<\/p>\n

J\u00e4rjest enam hakkas aga Twino portaalis v\u00e4lja tulema mitmeid miinuseid ning viimastel kuudel on t\u00f5siselt \u00fcles kerkinud ka k\u00fcsimused Twino emafirma finantsv\u00f5imekuse kohta. K\u00f5ige paremini on Twinos tekkinud ohud kokku v\u00f5etud v\u00e4rskes blogipostituses “7 reasons we are getting nervous about Twino”<\/span><\/a>.<\/p>\n

Selles blogipostis v\u00e4lja toodud punktidest m\u00f5ned on minu jaoks olulised h\u00e4irekellad. Seni on Twino olnud selline portaal, kes omaette vaikselt nohisedes ajab oma asja. Mingeid skandaale pole olnud, kuid samas pole n\u00e4idatud ka sellist l\u00e4bipaistvust ja suhtlust investoritega nagu minumeelest Mintos on suutnud pakkuda. N\u00fc\u00fcd aga nende mitme probleemi koosm\u00f5jul on portaali \u00fcmber, v\u00e4hemalt minu jaoks, tekkinud selline kahtluse aura.<\/p>\n

Kuna Twinos on makstavad intressid j\u00e4rjest enam alla tulnud ning automaatpakkuja probleemide t\u00f5ttu on tulnud liiga palju teha k\u00e4sit\u00f6\u00f6d, siis otsustasin \u00fchel hetkel hakata oma portfelli tasapisi v\u00e4hendama. Muude probleemide \u00fcles kerkides kiirendasin veidi exiti<\/em> tempot, kuni siin lingitud blogipostitus pani mind otsustavalt tegutsema.<\/p>\n

Praeguseks hetkeks on viimane suurem summa v\u00e4lja n\u00f5utatud ning portaali j\u00e4tsin sisse vaid 570 euri, mis intressidena on seni teenitud. P\u00e4ris kuivaks ei tahtnud portaali t\u00f5mmata, kuna plaanin seal toimuval ikka silma peal hoida. J\u00e4tsin endale hetkel alles vaid vanad 13% intressiga Gruusia laenud, millest vajadusel saab sekunditega lahti, kui asjalood t\u00f5epoolest peaks veel rohkem kuristiku poole liikuma.<\/p>\n

V\u00f5tsin oma lihtsameelsuses asja nagu \u00fcks Eesti vanas\u00f5na \u00fctleb: “Kus suitsu, seal tuld.” Loodame, et need hirmud Twino suhtes muidugi paika ei pea ning meie regiooni \u00fcks juhtivaid \u00fchisrahastusportaale paneb v\u00f5imsalt edasi. Kahjuks v\u00e4hemalt praegusel hetkel said miinused ja \u00fcles kerkinud hirmud portaali suurte plusside \u00fcle v\u00f5itu.<\/p>\n

Twinost v\u00e4ljunud raha suunan edasi Mintosesse ja jagan seal v\u00e4lja Mogo Eesti autolaenudesse. Kuna ka Bondorast on k\u00e4imas \u00fcliaeglane v\u00e4ljumine, siis saabki meie pere \u00fchisrahastusportfelli keskmeks olema Mogo autolaenud ning Estateguru kinnisvaratagatisel laenud, sekka ka Crowdestate’i projekte.<\/p>\n

Minu talupojam\u00f5istus \u00fctleb, et kui peaks n\u00e4iteks Mogo v\u00f5i Estateguruga juhtuma mingi negatiivne stsenaarium, siis on Eestis v\u00e4lja antud kinnisvara v\u00f5i auto tagatisega laenu suurem variant kunagi k\u00e4tte saada, kui kuskil Gruusias v\u00f5i Kasahstanis kohalikele v\u00e4lja jagatud 10 euroseid laenujuppe.<\/p>\n

\u00d6eldakse, et tuleb investeerida nii, et \u00f6\u00f6sel rahulikult magada saaks. Minu jaoks t\u00e4hendas see Twinost raha v\u00e4lja t\u00f5mbamist… v\u00e4hemalt seni, kuni minu silmis tekkinud kahtlusevari suudetakse maha raputada.<\/p>\n

Palun ka Teie kommentaare ja m\u00f5tteid Twino hetkeseisu kohta. Kas on p\u00f5hjust muretsemiseks, kui palju saab \u00fcldse \u00fchisrahastusplatvorme usaldada ning millised on need punased lipud, mida peaks j\u00e4lgima, et oma rahadega veel \u00f5igel ajal tulema saada?<\/em><\/h5>\n","protected":false},"excerpt":{"rendered":"

Juba m\u00f5nda aega on minu j\u00e4lgitavates \u00fchisrahastusteemalistes foorumites ja blogides k\u00e4inud l\u00e4bi kriitilisi noote seoses L\u00e4ti \u00fchisrahastusportaali Twinoga. Kas t\u00f5esti on seni paljude investorite lemmikuks olnud Twinol tekkinud probleeme v\u00f5i on v\u00e4ikeinvestorite \u00fcles puhutud hirm alusetu?<\/p>\n","protected":false},"author":2,"featured_media":599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","footnotes":""},"categories":[7,4],"tags":[106],"jetpack_featured_media_url":"https:\/\/i1.wp.com\/elunaut.rahajutud.ee\/wp-content\/uploads\/2017\/07\/worried-face.png?fit=512%2C512&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p9ZI0R-9D","jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/posts\/597"}],"collection":[{"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/comments?post=597"}],"version-history":[{"count":0,"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/posts\/597\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/media\/599"}],"wp:attachment":[{"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/media?parent=597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/categories?post=597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elunaut.rahajutud.ee\/wp-json\/wp\/v2\/tags?post=597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}