Capital gains tax of 25% plus solidarity surcharge and church tax is levied on profits from P2P loans. This means that personal loans are no different from investment forms such as shares or ETFs. However, singles in Germany are currently subject to a tax-free allowance of 1,000 euros. Only income that exceeds this limit is taxable. I’ve already had several years of experience with Viainvest and have never had a problem with taxes during this time: The company issues you a tax assessment with just a few clicks, which you can pass on to your tax advisor or use for your tax return. The only disadvantage is that the tax assessment is not always available immediately at the start of the new year.
Make your first deposit using bank transfer or credit/debit card. The minimum investment amount is €10.
Yes, investors always receive interest for the entire period during which their funds are invested in the loan. This also applies to delayed payments.
Viainvest is an above-average rated P2P lending platform among many investors. This is impressively illustrated by the results of the annual P2P community votings, where Viainvest is always in the top third of the most popular P2P platforms.
When I first started to invest in the platform, I immediately activated the auto-invest function, and also made deposits for a total of 1000 Euros over the first months of investing. I also made one withdrawal to check if everything was working fine to get your money back (and it does!).
PeerBerry displays buyback guarantees (100 percent buyback guarantee) for most loans. It is important to know that this guarantee is offered by the partnering loan originators, not PeerBerry itself.
Most competitors offer such a marketplace and thus help investors to get out of a loan quickly in an emergency. When you invest, you are completely dependent on the success of the ViaSMS Group. As this is the only lender on the platform, all loans logically originate from this company. In the event of economic difficulties, your capital could be at risk.
Terms and Conditions: The platform can make immediate changes to the terms and conditions without investor consensus.
I also always have do a close examination of the loan originators a platform uses, as this is usually where a platform will encounter problems if anything bad happens like a financial crisis.
Viainvest has held an investment brokerage firm licence since 2022. This step has changed a number of things in the structure of the company and the granting of loans.
These are initiated and managed by the ViaSMS Group. There are no other providers on Viainvest, as it is not a marketplace like its competitor Mintos, for example.
Please note my disclaimer. I do not provide any investment advice or make any recommendations. I am personally invested in all the P2P platforms I report on. All information is provided without guarantee.
Economically though, the pandemic has left its mark on Viainvest. Although the turnover has slightly increased, expenses have risen at a much faster pace. After seven consecutive years of profitable business results, the company concluded a loss of EUR 280,000 in 2020.
Investors can only withdraw funds to the bank account from which the initial deposit was made. If you wish to register a new account viainvest for withdrawals, you’ll need to make a new deposit from the new personal account.