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 you personally
Innovation in individual loans
Being a Fintech, Mutual brings a new method of linking those that require cash to those that seek to benefit as being a bank.
Technology on your side
Our platform permits more and more people to own access that is easy the credit market, with a careful assessment, totally on the internet and without bureaucracy.
Your need is our need
We is often prepared to help you in the way that is best feasible. Our specialists assist you to reach finally your objectives in a secure 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 flexible way.
+ 9.000 loans
Lots of people are happy to provide cash with fast approval.
+ 21 million reais invested
Your investment may have a return of up to 400percent of CDI per year
Investors and borrowers referring to their experiences with shared
We spent on Mutual. The software is dependable and protected. They keep their word and spend perfectly! (. )”
Pretty helpful. The funds would go to the financial institution account prior to when expected. And so they still call to ensure if the cash is actually in your bank account. We really enjoyed both the interest they provide and also the love utilizing the client.”
not long ago i joined Mutual being an investor, and whenever We have concerns they answer me at the earliest opportunity. We have absolutely nothing negative to express. The theory is excellent (. )”
These are generally individuals who reveal a genuine fascination with satisfying your need”
exceptional value idea for borrowers and investors.”
i wish to thank Mutual. We made the mortgage application on 03/11/2018 and i received the approval of my loan the amount is already in my bank account today. Congratulations regarding the job that is good transparency. We m planning to honor my dedication.”
what’s the investment guarantee? Will there be insurance coverage if the debtor will not spend?
There’s no insurance coverage. In Mutual the investor is practically such as for instance a bank. You can easily, with an intention price as high as 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 mortgage, Mutual does the collection that is entire to recover the main amount plus fines to be belated. We make use of a proprietary collection system for immediately notifying the debtor of this deadline, while the effects if you are belated with their re 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 experts trying to recover any belated re payments. We also enroll the mortgage standard during the Brazilian nationwide credit agencies, steering clear of the borrower from taking other loans.
In situations of delinquency higher than 3 months, Mutual has a team that is legal to enter with all the judicial collection with respect to the investor.
we ve defaulted for a current loan, may 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 can easily make an application for a loan in the pre-approved restriction for your account, that will be accessible to authorized investors within our application. It can be approved or not if you are accepted by an investor, our financier will evaluate the loan and at this moment. If http://homeloansplus.org/payday-loans-mn 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. When your demand just isn’t accepted by the investor during this period, the demand will expire through the platform and you may make a brand new demand 🙂
Is Mutual subject to your legislation?
Needless to say! Our company is a banking correspondent therefore 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, based on the Resolution No. 3,954, of February 24th, 2011.
It is critical to suggest that Fintechs must adhere to the legislation relevant to many other institutions that are financial such as the money application and cash laundering avoidance regulations.
Can you continue to have questions? get acquainted with our support web page: