If you are thinking of withdrawing your AFP funds or the accumulated amount of your CTS, you are probably also wondering what to do with this money. The first thing to keep in mind is that these funds are important because they serve as a backup for your retirement and to protect you in case of unemployment. Therefore, before thinking about spending all this money, one of the best decisions is to save it and make it profitable.
In what to invest to make profitable? Prestamypethe largest and most recognized Peruvian Fintech in Peru registered with the SBS, offers two safe ways to invest: 1) in loans with mortgage guarantee, where you offer the loan and the other person pays you the monthly installments or 2) in factoring, a type of financing where companies give you their invoices receivable in exchange for obtaining almost immediate liquidity.
Prestamype offers annual returns from 12% to 26%, which allows you to earn more than in fixed-term deposits or mutual funds. To date, it has managed to consolidate a portfolio of more than 2,500 investors and has more than 150 million soles profitable. All of its investment products are registered with the SBS and Cavali, for factoring.
How to invest in home equity loans?
In this type of investment offered by Prestamype, loan applications go through a strict process of financial evaluation of the project and a legal study of the property. The investor invests the total amount of the loan (the minimum is S/ 23,000 with terms from 1 year to 4 years) and the loan is direct between the parties: the debtor pays the installments directly to your bank account. The profitability can reach up to 26% per year and have a guarantee registered with Sunarp.
The mortgage guarantee is worth more than twice the amount borrowed and is registered directly in your name in Public Records. The operation is banked with a cashier’s check and notarized to offer the greatest security.
To start investing in home equity loans, you must first register on this platform Prestamype and schedule a virtual meeting with an advisor in the loan section. After doing so, they will send you opportunities by mail on a weekly basis so that you can choose the loan in which you want to invest. Once the loan contract is signed at the notary, the entrepreneur will pay the monthly installments to your bank account until the loan is repaid.
How to invest in factoring?
In this case, the supplier mypes and companies debtors of the invoices are previously evaluated. The investor can invest part or all of the bill (the minimum is S/300 or $80 with terms from 1 month to 3 months). Prestamype channels the funds deposited by the investors and makes the disbursement to the entrepreneur. Profitability can reach 18% per year.
The operation is 100% digital through its online platform and bank transfers. To start investing in factoring, you must register on this platform Prestamype and upload the documents required to activate your profile. Then, you can review the available invoices online and choose which ones and how much you want to invest. When the debtor company pays the invoice, you will receive the reimbursement of your investment plus the profit obtained.
Benefits of investing with Prestamype
Currently, Prestamype is the largest fintech in Peru thanks to its accelerated growth in a short time. Since 2017, it has disbursed more than S/ 150 million soles in financing and has promoted the growth of many micro and small entrepreneurs.
In addition to profitability, it offers support and security with products registered with the SBS and Cavali. Investment options have the backed by a mortgage guarantee or an invoice receivable at rates from 12% to 24% per year.
If you are ready to invest with Prestamype, Find more information by visiting: https://www.prestamype.com/invertir
–
