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, transparency and technology for your needs
Innovation in individual loans
As a Fintech, Mutual brings a way that is new of people who require money to those that seek to benefit being a bank.
Technology on your side
Our platform permits more individuals to possess comfortable access to the credit market, having a careful assessment, totally on the internet and without bureaucracy.
Your need is our need
We is often willing to direct you towards the simplest way feasible. Our experts allow you to reach your goals in a secure and way that is transparent.
+ 600.000 users
Through shared you are able to make an application for loans without red tape or commit in a way that is flexible.
+ 9.000 loans
Lots of people are happy to provide cash with quick approval.
+ 21 million reais invested
Your investment may have a return all the way to 400per cent of CDI per year
Investors and borrowers referring to their experiences with shared
We spent on Mutual. The application is dependable and safe. They keep their term and spend well! (. )”
Pretty helpful. The income would go to the financial institution account prior to when expected. And so they nevertheless call to ensure in the event that money is actually in your bank account. I really enjoyed both the interest they offer together with love using the client.”
recently i joined Mutual being an investor, and whenever We have questions I am answered by them at the earliest opportunity. I’ve nothing negative to express. The concept is great (. )”
These are typically individuals who reveal a genuine fascination with fulfilling your need”
exceptional value idea for borrowers and investors.”
i wish 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 in my own banking account. Congratulations regarding the good work and transparency. We m planning to honor my commitment.”
What is the investment guarantee? Can there be insurance coverage if the debtor will not spend?
There is absolutely no insurance. In Mutual the investor is virtually just like a bank. You are able to, with an intention rate as much as 400per cent 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 mortgage, Mutual does the collection that is entire to recover the main amount plus fines to be belated. We work with a collection that is proprietary for immediately notifying the debtor regarding the deadline, additionally the effects if you are belated with his payment through different means such as for instance phone, whatsapp, SMS and e-mail. Alongside this automatic system, we now have a group of devoted collection professionals attempting to recover any belated re payments. We also subscribe the mortgage standard during the Brazilian credit that is national, avoiding the debtor from using other loans.
In situations of delinquency higher than 3 months, Mutual has a team that is legal to enter aided by the judicial collection with respect to the investor.
we ve defaulted for a present loan, may I request one at Mutual?
After approving my enrollment as debtor, exactly exactly 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 within the limit that is pre-approved your bank account, that will be accessible to authorized investors within our software. If you’re accepted by the investor, our financier will assess the loan and at this minute it could be authorized or otherwise not. If authorized, the cash will take your bank account within 4 trading days!
* After being posted, the loan payday Nebraska mortgage is active for 15 times on our platform. In the event your demand just isn’t 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 regulation?
Needless to say! Our company is a banking correspondent and we also have actually an internet platform that facilitates the access of clients to services and products provided by partner institution that is financial. The game of correspondent banking is regulated because of the Central Bank of Brazil, in accordance with the Resolution No. 3,954, of February 24th, 2011.
It is critical to declare that Fintechs must adhere to the legislation relevant to many other finance institutions, like the money application and cash laundering avoidance regulations.
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