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Our secondary market is a market place for existing credits of peer-to-peer loans. Within the secondary market there is a capital exchange between registered investors.
The credit shares in a credit project are called Credit Project Shares (CPS). Registered investors have the option to offer their credit in a credit project for sale and / or they can buy CPS from other investors.
Investors can sell their own credit projects at a premium or a discount. In this way, they receive their capital employed before the end of the term of the loan. At the same time, investors can acquire credit projects and thus diversify their portfolio and increase the yield chances. The price is determined by the investors themselves and a purchase or sale is only made if a buyer finds himself at the offered price.
Who is allowed to buy or sell CPS (credit) on the secondary market?
The CreditGate24 secondary market is open to all registered investors of CreditGate24.
Who determines the price of a CPS (credit) on the secondary market?
By default, the purchase price is based on the amount which is still open at the time of the sale to the original investor. However, the seller is free to demand a slightly higher or slightly lower purchase price (premium or Disocunt). All relevant information on the CPS is disclosed to the potential new investor / buyer
What happens when a credit is in default while a CPS (credit) is on sale?
The CPS can no longer be sold at this time and the offer is automatically removed from the secondary market by CreditGate24.
What does the CreditGate24 secondary market cost?
The secondary market for credit shares (CPS) of CreditGate24 is provided to investors free of charge. CreditGate24 does not charge any commission on the sold CPS. Investors pay unchanged service fee of 1% on all repayments, including on any product sold on the secondary market lending shares.
Other answers to the secondary market can be found in our FAQs on the secondary market.
* The fee is payable with every repayment (amortization and interest) and deducted automatically. For a four-year term, the 0.25% p.a.
We are the leading online Swiss financing platform, providing loans to individuals and SMEs. Modern technology allows us to make the loan process simple and efficient. We bring borrowers directly with private and institutional investors. In doing so, we take over the credit check, monitor the transcripts and provide support for borrowers and investors. As a financing alternative, borrowers benefit from favorable interest rates and investors from attractive returns.
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