Investors
What happens when a borrower does not return the money? Find the answer to this and other questions which investors have asked
1. Am I an "investor" or a "lender"?
2. Who are the borrowers and why do they need money?
3. Why do high-ranking borrowers need Fagura?
4. Who administers the loans?
5. What fees and taxes do the investors pay?
6. What is a default situation?
7. What are the main risks associated with an investment?
8. What happens if Fagura goes bankrupt?
9. What are the main differences between fagura.com and fagura.ro?
1. Who is eligible for automatic investments?
2. Is there a fee for investors for using the automatic investment module?
3. What are the investors options when selecting the automatic investment module?
4. Is it possible to stop or suspend the automatic investment module?
5. Is it possible to place manual investments when the automatic investment module is on?
6. How does the automated investment module select the loans that will be funded from the investor's name and how long does this process take?
1. How are money transfers made to or from the investor's account?
2. How is the receipt of payments from borrowers taking place?
3. How can money be withdrawn from the investor's account?
4. What happens if a loan is paid in advance?
5. How is the loan servicing charge collected?
6. Is it possible for borrowers to change their payment date?
1. How is return on investment (XIRR) calculated?
2. What is the difference between the expected rate of return and the de facto rate of return?
3. When and how does Fagura update the interest rates and the expected return rate?
4. How is it possible for investors to receive an average annual return of 10% when loans are granted at an interest rate starting from 12.4% per year?
5. What are investor reports for a certain period?
1. Is it possible for an investor to contact a borrower in case the loan is not paid for?
2. What happens if the borrower becomes a victim of identity theft?
3. What are the stages of recovering the outstanding loan?
4. Where can investors see the outcomes of the debt recovery process?
5. What is a modified payment schedule and how can it be tracked by investors?
6. What happens if a borrower dies?
7. What can an investor expect from an outstanding loan?
8. What happens when a loan is declared compromised?
9. What is the difference between a default loan and a compromised loan?
10. How are penalties and late interest calculated and distributed?
1. Does Fagura disclose personal information to third parties?
2. When an account is closed, does Fagura erase all the account information?
3. How does Fagura prevent the identity theft?
4. How does Fagura protect the personal information?
5. Is it possible for an investor to know the identity of the borrowers?
1. Understanding the Fagura Referral Program
2. The difference between Referrer and Referral in Fagura's Referral Program
3. Which role will I be rewarded for if I created both a Borrower and an Investor account on Fagura
4. Understanding Referral Levels and Bonuses for Referrers
5. Bonus allocation for referrers across regions on Fagura
6. Bonus payout timeframe: When will I receive my money?
7. Referrer: What can I see in my referrer account?