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 a Fintech, Mutual brings a new means of connecting people who need cash to people who seek to profit being a bank.
Technology on your side
Our platform enables a lot more people to own access that is easy the credit market, by having a careful assessment, totally online and without bureaucracy.
Your need is our need
All of us is often willing to help you in the easiest way feasible. Our experts assist you to reach your objectives in a safe and way that is transparent.
+ 600.000 users
Through shared you can easily make 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 may have a return as much as 400per cent of CDI per year
Responses
Investors and borrowers speaking about their experiences with shared
We spent on Mutual. The software is dependable and protected. They keep their term and spend perfectly! (. )”
Pretty helpful. The cash would go to the financial institution account prior to when expected. And additionally they still call to ensure if the cash is actually in your bank account. We really enjoyed both the interest they provide therefore the love utilizing the customer.”
not long ago i joined Mutual being an investor, and whenever We have concerns I am answered by them as quickly as possible. We have absolutely nothing negative to express. The theory is excellent (. )”
They truly are individuals who reveal a genuine curiosity about satisfying your need”
exceptional value idea for borrowers and investors.”
Rogerio S.
i do want to thank Mutual. I made the mortgage application on 03/11/2018 and today We received the approval of my loan the total amount is during my banking account. Congratulations regarding the good task and transparency. We m planning to honor my dedication.”
what’s the investment guarantee? Can there be insurance coverage if the debtor will not spend?
There is absolutely no insurance coverage. In Mutual the investor is virtually like a bank. You’ll, with an intention price all the way to 400per cent of CDI a 12 months, are able to evaluate the debtor’s credit information (the rating and danger of the procedure) and spend centered on that information.
In the event that debtor will not spend the loan, Mutual does the collection that is entire to recover the main amount plus fines to be belated. We make use of collection that is proprietary for immediately notifying the debtor for the due date, therefore 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 have a group of committed collection experts trying to recover any belated payments. We also sign up the mortgage standard during the Brazilian nationwide credit agencies, avoiding the debtor from using other loans.
In situations of delinquency more than 3 months, Mutual includes a appropriate team prepared to enter utilizing 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 borrower, just just how quickly will the cash head to my banking account?
As soon as your enrollment is approved, you are able to make an application for a loan in the pre-approved limit for your address account, that will be open to authorized investors inside our application. If you should be accepted by the investor, our financier will assess the loan as well as this minute it could be authorized or perhaps not. If authorized, the cash will maintain your bank account within 4 business days!
* After being posted, the mortgage is active for 15 times on our platform. The request will expire from the platform and you can make a new request 🙂 if your request is not accepted by an investor during this time
Is Mutual subject to virtually any legislation?
Needless to say! we have been a banking correspondent and then we have actually an on-line platform that facilitates the access of clients to services and products provided by partner institution that is financial. The experience of correspondent banking is controlled by the Central Bank of Brazil, in accordance with the Resolution No. 3,954, of February 24th, 2011.
It is critical to suggest that Fintechs must adhere to the guidelines relevant with other finance institutions, such as the money application and cash laundering avoidance regulations.
Can you continue to have concerns? Become familiar with our help web page: