Individuals lending to people, easy like this. Shared means…
A year and the loan has the best rates through mutual investors profit as a bank with a return of up to 400% of CDI.
Shared means innovation, technology and transparency for you personally
Innovation in individual loans
As being a Fintech, Mutual brings a way that is new of those that need money to people who seek to benefit as being a bank.
Technology on your side
Our platform enables a lot more people to own access that is easy the credit market, with a careful assessment, entirely online and without bureaucracy.
Your need is our need
All of us is obviously prepared to direct you towards the easiest way feasible. Our specialists allow you to reach finally your objectives in a secure and clear method.
+ 600.000 users
Through shared it is possible to submit an application for loans without red tape or commit in a way that is flexible.
+ 9.000 loans
Most are ready to provide cash with fast approval.
+ 21 million reais invested
Your investment might have a return as high as 400per cent of CDI per year
Responses
Investors and borrowers dealing with their experiences with Mutual
We spent on Mutual. The application is dependable and safe. They keep their word and spend well! (. )”
Pretty helpful. The income would go to the financial institution account earlier than expected. In addition they nevertheless call to ensure if the money is actually in your account. We really enjoyed both the eye they offer additionally the love utilizing the client.”
recently i joined Mutual being an investor, and whenever i’ve concerns I am answered by them at the earliest opportunity. I’ve absolutely absolutely absolutely nothing negative to state. The theory is excellent (. )”
They truly are individuals who reveal a genuine desire for fulfilling your need”
exemplary value idea for borrowers and investors.”
Rogerio S.
i do want to thank Mutual. We made the mortgage application on 03/11/2018 and today We received the approval of my loan the total amount has already been during my banking account. Congratulations from the good work and transparency. We m planning to honor my dedication.”
what’s the investment guarantee? Will there be insurance if the debtor will not spend?
There’s no insurance coverage. In Mutual the investor is practically such as a bank. It is possible to, with an intention price as high as 400per cent of CDI a year, are able to evaluate the borrower’s credit information (the score and danger of the procedure) and spend predicated on that information.
In the event that debtor will not spend the mortgage, Mutual does the whole collection procedure to recover the main amount plus fines to be belated. We make use of a collection that is proprietary for immediately notifying the debtor for the deadline, as well as the effects to be belated with their re payment through different means such as for example phone, whatsapp, SMS and e-mail. Alongside this system that is automated we now have a group of devoted collection experts trying to recover any belated re payments. We also sign up the mortgage standard during the Brazilian nationwide credit reporting agencies, avoiding the borrower from using other loans.
In situations of delinquency higher than ninety days, Mutual includes a team that is legal to enter utilizing the judicial collection with respect to the investor.
we ve defaulted for a loan that is recent may I request one at Mutual?
After approving my enrollment as debtor, just just exactly how quickly will the amount of money head to my bank-account?
As soon as your enrollment is authorized, it is possible to make an application for a loan in the limit that is pre-approved your bank account, which is offered to subscribed investors within our application. If you’re accepted by the investor, our financier will measure the loan as well as this minute it may be approved or otherwise not. If authorized, the amount of money will take your account within 4 trading days!
* After being published, the mortgage is active for 15 times on our platform. When your demand is certainly not accepted by the investor during this period, the demand will expire through the platform and you may make a fresh demand 🙂
Is Mutual subject to virtually any legislation?
Needless to say! Our company is a banking correspondent and then we have actually an on-line platform that facilitates the access of clients to services and products made available from partner standard bank. The game of correspondent banking is managed by the Central Bank of Brazil, in line with the Resolution No. 3,954, of February 24th, 2011.
It’s important to declare that Fintechs must adhere to the rules relevant with other institutions that are financial like the money application and cash laundering avoidance legislation.
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