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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18873
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 Verfasst am: 30.07.2026, 19:53 Titel: Re: Afranga Erfahrungen (Stik Credit Bulgarien) |
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Von Afranga* gekommen
| Zitat: | Hello,
I hope you are well.
Afranga introduces early withdrawals on SaveSmart this Friday, because our investors requested them.
Flexibility was the number-one request from our community: in a recent survey of Afranga* investors, 65% asked for a way to access their SaveSmart funds before maturity. We listened, and we delivered.
With the new early-withdrawal option, SaveSmart investors no longer need to wait until the end of the term. You can now request access to part of your investment whenever you need it, directly from your account.
How it works:
Withdraw up to 30% of your SaveSmart investment before maturity.
Withdrawals are capped at €5,000 per request.
A €100 floor applies, so you can always request at least €100, even when 30% would work out to less.
A 1% fee applies to early withdrawals, shown transparently before you confirm.
In short: the 30% rule sets the ceiling for most investments, the €5,000 cap keeps larger withdrawals in check, and the €100 floor makes sure smaller investors aren't left with a withdrawal too small to be useful. Early withdrawals are subject to the product's terms and conditions.
This early-withdrawal option is a first step. A secondary market, giving investors another route to manage liquidity, is under development for the near future.
Requesting a withdrawal: three steps in the platform
Find your loan. Open My investments, locate the loan, and choose Early principal withdrawal from its ⋯ menu.
Enter your amount. Review the loan's limits, enter the amount you want, and check the breakdown showing the 1% fee and net payout.
Confirm. Once the request is approved, the money lands in your wallet.
Please let me know if you have any questions. |
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Meine Investments (aktualisiert 12/25):
Laufend: Axiafunder*, Bondora*, Crowdcube, Estateguru*, Indemo*, Inrento*, Mintos*, Republic |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18873
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| Verfasst am: 04.08.2026, 09:09 Titel: Re: Afranga Erfahrungen (Stik Credit Bulgarien) |
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August Afranga* Cashback Aktion
| Zitat: | How it works:
Invest €1,000 or more in a single eligible investment to qualify.
Stikcredit investments are eligible:
12% p.a. / 12 months + 1% cashback
13% p.a. / 24 months + 1% cashback
14% p.a. / 36 months + 1% cashback
Every investment made through SaveSmart also qualifies for the 1% cashback.
Campaign runs August 1–31, 2026. |
Das ist zusätzlich zu den 0,5% Neukundenbonus, die es bei Registrierung über diesen Afranga* Link gibt.
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Meine Investments (aktualisiert 12/25):
Laufend: Axiafunder*, Bondora*, Crowdcube, Estateguru*, Indemo*, Inrento*, Mintos*, Republic |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18873
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| Verfasst am: 04.08.2026, 17:02 Titel: Re: Afranga Erfahrungen (Stik Credit Bulgarien) |
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Die neue SaveSmart Liquidity von Afranga* ist live
| Zitat: |
Dear Investor,
A few weeks ago, we asked you what would make investing on Afranga* better. The answer was clear: liquidity. The ability to access your funds before maturity.
We listened, we built it, and today it's live: SaveSmart Liquidity.
You can now access part of your SaveSmart investment before maturity, whenever you need it. The steady returns you know, now with the flexibility you asked for.
Here's how it works
✓
You can withdraw up to 30% of your SaveSmart investment.
✓
Withdrawals are capped at €5,000.
✓
A €100 floor applies, so you can always request at least €100, even when 30% would work out to less.
✓
A 1% fee applies to all early withdrawals.
Up to 30%
of your investment
€5,000
per-withdrawal cap
€100
floor, always available
This was your most requested feature and we're proud to finally deliver it. Check it out |
_________________
Meine Investments (aktualisiert 12/25):
Laufend: Axiafunder*, Bondora*, Crowdcube, Estateguru*, Indemo*, Inrento*, Mintos*, Republic |
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Werbeunterbrechung / Werbung
Site Admin
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| Verfasst am: 04.08.2026, 17:02 Titel: |
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hugh
Anmeldedatum: 12.12.2013
Beiträge: 1370
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| Verfasst am: 21.08.2026, 18:26 Titel: Re: Afranga Erfahrungen (Stik Credit Bulgarien) |
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Ab Donnerstag solls einen Zweitmarkt geben
The Afranga* General Terms and Conditions have been updated. The new version takes effect on 27 August 2026 and is available on our website now, so you can read it before that date.
The update introduces the Secondary Market as a new Section 8.
What is new
Secondary Market
You can sell your loan investments to other investors, and buy investments listed by others, directly from your account.
Selling
A listing starts at €100. You set the price, within 15% above or below the outstanding principal. If your remaining share of a loan is under €100, you can still sell it, but only in full.
Accrued interest stays with the seller
Interest accrued before a sale is not sold. It remains payable to the seller and is paid out on the next borrower repayment.
Assignment agreement
Buying a listing concludes an assignment agreement. Both parties receive the document in their profile.
Fees
Secondary Market fees are set out in the Afranga* price list. There is no fee to sell and no fee to buy. |
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Lendlord
Anmeldedatum: 08.12.2016
Beiträge: 1402
Wohnort: Ba-Wü
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| Verfasst am: 21.08.2026, 20:05 Titel: Re: Afranga Erfahrungen (Stik Credit Bulgarien) |
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Ah, sehr interessant!
If your remaining share of a loan is under €100, you can still sell it, but only in full. -> Eine kluge Lösung um zu vermeiden, dass sich Kredite durch Verkäufe auf dem SM in viele kleine Teilbeträge fragmentieren.
There is no fee to sell and no fee to buy. -> Sehr kundenfreundlich. Damit könnte sich Afranga* gut eignen, um vorübergehend Geld zu parken, während man auf Cashback-Aktionen gewisser anderer Plattformen wartet.
Einzige Befürchtung: Die Zinsen der Langläufer könnten durch die Einführung des SM stark sinken, da die Liquidität steigt. |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18873
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Lendlord
Anmeldedatum: 08.12.2016
Beiträge: 1402
Wohnort: Ba-Wü
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| Verfasst am: 24.08.2026, 07:43 Titel: Re: Afranga Erfahrungen (Stik Credit Bulgarien) |
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Wow, da waren ein paar echte Schnäppchen auf dem SM dabei.
Ein Investor berichtete in Telegram, er hätte einige Stikredit mit 16 % für 5 % Abschlag (!) bekommen. Da hat wohl der Anbietende einen Vorzeichenfehler gemacht und statt dem Aufschlag einen Abschlag eingestellt. 
Auch heute noch gibt es gute Angebote. 14 % ohne Aufschlag und 13 % mit Abschlag (gestern gingen diese Abschläge bis zu -2 % für Laufzeiten um die 3 Jahre, heute noch bis -1 %).
Für einen soliden LO wie Stikcredit sind das gute Angebote. |
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Claus Lehmann
Site Admin
Anmeldedatum: 31.08.2007
Beiträge: 18873
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| Verfasst am: 01.09.2026, 12:39 Titel: Re: Afranga Erfahrungen (Stik Credit Bulgarien) |
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Smartsaver Cashback Afranga* Angebot
| Zitat: | A fixed rate, paid monthly.
Now with cashback.
Dear Investor,
From 1 September, every SaveSmart investment also earns cashback on top of that rate:
Term Annual interest Cashback
3 months 8% p.a. +0.5%
6 months 9% p.a. +1%
12 months 10% p.a. +2%
Cashback is earned on money that stays invested until end of loan term. If you withdraw part of your principal early, the cashback on that part is deducted.
No forms, no codes, €10 minimum. Behind it are business loans from Stikcredit, a Bulgarian lender operating since 2013. Real businesses, real repayments.
We all know that money sitting in a deposit account is quietly losing ground. Most euro savings rates still sit well below inflation, so cash that feels safe is shrinking in real terms every month.
SaveSmart is the alternative: a fixed term investment.
Your money either keeps pace with inflation or it doesn’t. This is the simpler way to make sure it does. |
_________________
Meine Investments (aktualisiert 12/25):
Laufend: Axiafunder*, Bondora*, Crowdcube, Estateguru*, Indemo*, Inrento*, Mintos*, Republic |
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