03 Août
Through Mutual investors revenue as a bank having a return all the way to 400per cent of CDI per year and also the loan gets the most readily useful prices.
Mutual means innovation, technology and transparency for you personally
Innovation in individual loans
As a Fintech, Mutual brings a way that is new of those that require cash to those that seek to benefit as a bank.
Technology on your side
Our platform permits more and more people to possess access that is easy the credit market, by having a careful assessment, entirely on the internet and without bureaucracy.
Your need is our need
All of us is definitely willing to direct you towards the easiest way feasible. Our specialists assist you to reach finally your objectives in a safe and way that is transparent.
+ 600.000 users
Through shared it is possible to make an application for loans without red tape or commit in a versatile method.
+ 9.000 loans
Most are ready to provide cash with fast approval.
+ 21 million reais invested
Your investment may have a return all the way to 400per cent of CDI per year
Reviews
Investors and borrowers speaking about their experiences with shared
We invested on Mutual. The software is dependable and protected. They keep their term and spend well! (. ) »
Pretty helpful. The cash would go to the financial institution account prior to when expected. Plus they nevertheless call to verify if the cash is actually in your account. We really enjoyed both the interest they offer and also the love aided by the client. »
not long ago i joined Mutual being an investor, and whenever i’ve concerns they answer me personally at the earliest opportunity. I’ve absolutely absolutely absolutely nothing negative to state. The theory is great (. ) »
These are generally those who reveal a genuine fascination with satisfying your need »
exceptional value idea for borrowers and investors. »
Rogerio S.
i wish to thank Mutual. We made the mortgage application on 03/11/2018 and today We received the approval of my loan the quantity is in my own bank account. Congratulations from the job that is good transparency. We m planning to honor my commitment. »
what’s the investment guarantee? Will there be insurance coverage if the borrower will not spend?
There is absolutely no insurance coverage. In Mutual the investor is nearly just like a bank. You’ll, with an intention price all the way to 400percent of CDI a have the opportunity to analyze the borrower’s credit information (the score and risk of the operation) and invest based on that information year.
In the event that debtor will not spend the loan, Mutual does the whole collection procedure to recover the main amount plus fines for being belated. We work with a collection that is proprietary for immediately notifying the debtor associated with deadline, therefore the consequences for being late with their re re re payment through different means such as for instance phone, whatsapp, SMS and e-mail. Alongside this system that is automated we now have a group of committed collection experts trying to recover any belated re payments. We also enroll the mortgage standard during the Brazilian credit that is national, steering clear of the borrower from using other loans.
In instances of delinquency more than ninety days, Mutual has a team that is legal to enter utilizing the judicial collection with respect to the investor.
I ve defaulted for a current loan, could I request one at Mutual?
After approving my enrollment as debtor, just how quickly will the amount of money head to my banking account?
As soon as your enrollment is authorized, you’ll make an application for a loan in the pre-approved restriction for your bank account, which is open to authorized investors inside our application. If you should be accepted by the investor, our financier will measure the loan as well as this minute it can be authorized or otherwise not. If authorized, the cash will take your account within 4 trading days!
* After being posted, the mortgage is active for 15 times on our platform. In the event the demand is certainly not accepted by the investor during this period, the demand will expire through the platform and you will make a brand new demand 🙂
Is Mutual subject to virtually any legislation?
Needless to say! we’re a banking correspondent and then we have actually an on-line platform that facilitates the access of clients to products provided by partner institution that is financial. The experience of correspondent banking is managed by the Central Bank of Brazil, in line with the Resolution No. 3,954, of February 24th, 2011.
It is critical to suggest that Fintechs must conform to the rules applicable with other banking institutions, such as the money application and cash laundering prevention laws and regulations.
Can you continue to have concerns? Become familiar with our help web page: