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  Reply # 1962389 22-Feb-2018 18:20
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So I decided to browse through my Harmony loans last night and read the borrower's comments and came across one person who had borrowed $19,000 and his comments said his computer was getting old so he was planning on getting a new one. That's it.

Wow. $19k for a computer.

And a second thing, the monthly income (after tax) for most borrowers just look really high. Would they be able to inflate their own income so they get a better chance of getting their loan?




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  Reply # 1962394 22-Feb-2018 18:30
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It won’t be 19k for a computer, it will be a rewrite.

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  Reply # 1962409 22-Feb-2018 18:38
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Sam91: It won’t be 19k for a computer, it will be a rewrite.

 

The top spec iMac Pro. I've seen people stupid enough to buy it.





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  Reply # 1962448 22-Feb-2018 19:55
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sonyxperiageek: So I decided to browse through my Harmony loans last night and read the borrower's comments and came across one person who had borrowed $19,000 and his comments said his computer was getting old so he was planning on getting a new one. That's it.

Wow. $19k for a computer.

And a second thing, the monthly income (after tax) for most borrowers just look really high. Would they be able to inflate their own income so they get a better chance of getting their loan?
i have used Harmoney as a borrower. Pretty hard to inflate your income I would think. I needed 3 months of bank statements showing wage deposits. I would say it would have been the most long and drawn out applications I have done. And I have a mortgage.

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  Reply # 1962541 22-Feb-2018 22:08
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Ah. Just looks like quite a few people earn over the 100k mark After Tax!




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  Reply # 1989606 6-Apr-2018 16:22
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Hey guys, how are your investments going?



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  Reply # 1989633 6-Apr-2018 17:25
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I'm still on 11.70% pa RAR. Haven't had any arrears.





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  Reply # 1989687 6-Apr-2018 19:15
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I'm at 10.98%, with 8 loans in arrears plus 2 charged off (A4 and C5).





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  Reply # 1989690 6-Apr-2018 19:20
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Detruire:

 

I'm at 10.98%, with 8 loans in arrears plus 2 charged off (A4 and C5).

 

 

11.55% RAR. 0.28% in arrears and 1.82% charged off, mostly from two loans B3 and C3 taken out back in Sept 2015. Arrears and charged off percentages are based on outstanding principal - might not be correct way so let me know if you want me to recalculate

 

 

 

 

 

 


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