Geriausios P2P ir NT investavimo platformos Lietuvoje

Šiame puslapyje pateiktos investavimo platformos suteikia galimybę privatiems asmenims finansuoti kitų privačių asmenų ar įmonių paskolas ir projektus (pvz.: vartojimo paskolas, nekilnojamo turto projektus ar verslo finansavimą). Jūs kaip investuotojas už tai gaunate palūkanas, kurios gali siekti net iki 28% per metus. Žinoma, dažniausiai, kuo didesnės palūkanos – tuo didesnė rizika, tad gerai pasidomėkite projektu prieš į jį investuodami. Žemiau esančioje lentelėje pateikiame populiariausias ir geriausiai įvertintas platformas Europoje, kuriose gali investuoti ir lietuviai. Tiesa, kai kurios iš jų neturi informacijos lietuvių kalba, tačiau daugumoje yra lietuvių aptarnavimo skyrius, į kurį galite visada kreiptis, jei iškyla klausimų.

Geriausiai įvertintos P2P ir NT platformos Lietuvoje

Rekomenduojame šias investavimo platformas:

1 Crowdestor Reviews
8.9
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Crowdestor
Crowdestor is a great platform for both beginner and advanced investors. Its range of businesses and projects enable users to choose an attractive investment opportunity to suit their needs. From as little as €50, investments can earn interest rates from 12% to 36%, with an average rate of 17.06%. The registration process is simple, each project has detailed descriptions and the platform does not charge investors any additional fees. Although the company is regulated by the laws of the Estonian government and an internationally experienced financial regulatory agency, every investor takes a risk as there is no 100% money-back guarantee. In addition, Crowdestor does not have an automatic investment feature. Also, there are only about five new projects listed per month, so this platform is not the best choice for people wishing to diversify their investments.
Website
8
Service Quality
8
Customer Service
7
PROS:
  • No additional fees
  • Big interest rates
  • You can invest in different projects
CONS:
  • There is no automatic investment feature
  • There are few possibilities to diversify investments
  • The site lacks more detailed information
2 EstateGuru Reviews
8.6
Read full review More details +
EstateGuru Review
Looking for a safe and reliable way to invest in real estate? EstateGuru offers solutions for long-term investments, with average interest rates of 12% and a payback period of between six and 60 months.

EstateGuru is an Estonian-based real estate investment platform. It facilitates investment in real estate and enables businesses to borrow money for development projects on terms that are less complicated than those offered by banks.

From as little as €50, investors from more than 45 countries have taken the opportunity to invest in projects located in the Baltic states (Lithuania, Latvia, Estonia). The mobile-friendly website is convenient to use, while registration is quick and easy. The platform boasts a time-saving, automatic investment feature with no additional fees. An attractive loyalty programme encourages members to sign-up friends to receive a 0.5% bonus on the amount invested. While clients rate service as satisfactory, some report that the speed of service is slow and payments are sometimes late.

Website
8
Service Quality
9
Customer Service
8
PROS:
  • Solid average interest rates
  • Low risk
  • No additional fees
CONS:
  • Limited automatic investment possibilities
  • Payments that are sometimes late
3 Reinvest24 review
8.6
Read full review More details +
Reinvest24
Reinvest24 is a tried and tested real estate crowdfunding platform. I haven’t had any unpleasant experiences so far and I am satisfied with the results I am seeing. It’s a reliable option for those who are looking for investment opportunities. If you’re considering doing real estate investments and are looking for a safe and reliable platform, Reinvest24 is a great choice.
Usability
9
Risk & Reward
8
Customer Service
9
PROS:
  • Decent Return Rate
  • Easy to navigate platform
  • Complete details on projects
  • Introduction of secondary market tool
  • Introduction of development loans
CONS:
  • No auto invest features
4 Profitus reviews
8.4
Read full review More details +
Profitus
Profitus is a young, but very promising platform that allows quickly and conveniently invest in real estate projects, amounts starting from 100 Euros. This helps to invest even for people who have little interest in this field but want to employ their money safely. Using the website is convenient. Both registration and filling in applications are easy for investors and those who want to borrow. Since the company acts as an intermediary between the investor and the real estate developer, if Profitus ceases its operations, the property (mortgage) will remain with the investors by law.
Website
9
Service Quality
8
Customer Service
9
PROS:
  • Simple and convenient to use
  • Low risk
  • Good customer service
CONS:
  • The average annual interest rate is slightly lower than other similar platforms
5 Lenndy Review
8.4
Read full review More details +
Lenndy
Lenndy is a great choice if you are looking for a P2P investment platform. The company offers a relatively high interest rate of 11-15%, and since you invest in short-term loans, the returns can be seen immediately. The platform provides an opportunity to invest small amounts (starting from 10 Euros) and divide them into several investments. Investors enjoy convenient website, easy registration, pleasant customer service. Although the company currently has a high reputation and fulfills all obligations, you should keep in mind that each investor takes the risk - deposits here do not have 100% protection against losses and are not insured or protected by state law.
Website
9
Service Quality
8
Customer Service
9
PROS:
  • Convenient website and registration;
  • You can invest from 10 Euros;
  • Automatic investment feature;
  • Interest rate up to 15%.
CONS:
  • If investors want to sell loans, there is an additional 5% fee for each transaction;
  • Here you can invest in short-term loans, so the platform will not be suitable for who seeks to invest for 12-36 months' period;
  • Although Lenndy's fulfillment of obligations is currently 100%, deposits here are not additionally insured or protected by state law.
6 PeerBerry reviews
8.2
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PeerBerry
PeerBerry is a convenient investment platform, which specializes in short-term loans. This means that the platform is suitable for beginners or those who want to invest and get returns quickly.  Loans here are quite small and because of that some people might feel their investments limited.  You can invest as little as 10 Euros, and the average interest rate is 10.04%. The PeerBerry platform is owned by the Aventus Group, which has several lending companies in Europe. The company not only provides a repayment guarantee if the borrower is 60 days late, but also has agreements with Aventus Group and Gofingo Group that guarantee that they will cover all of PeerBerry's financial obligations to investors in the event of insolvency.
Website
9
Service Quality
8
Customer Service
8
PROS:
  • Low risk
  • Repayment guarantee
  • Convenient website
CONS:
  • Low average interest rate
  • Short-term investments
  • Limited investment amounts
7 NEO Finance Reviews
7.8
Read full review More details +
NEO Finance
NEO Finance is a peer-to-peer lending platform where you can invest from 10 Euros and expect an average interest rate of 12%. The average loan taken by NEO Finance borrowers is 2,757 Euros, and the average loan duration is 50 months. The company is the only one in Lithuania that has an EMI license, which protects the invested assets and guarantees that they will be returned. NEO Finance activities are also regulated by the Bank of Lithuania. The company does not make empty promises of a 100% refund guarantee and provides all information about the terms on the website. Perhaps the biggest disadvantage for investors is that customers from countries other than Lithuania have additional fees and this may discourage them from choosing this platform. Customers also complain about an inconvenient system, unnecessary form filling and so on. NEO Finance can be a perfect choise for those who like to diversify investments across different platforms or for people who are residents of Lithuania.
Naudojimasis svetaine
8
Paslaugų kokybė
7
Klientų aptarnavimas
7
PROS:
  • The platform is licensed by EMI;
  • You can invest from 10 Euros;
  • Automatic investment feature;
  • Interest rates up to 12%.
CONS:
  • It is not always convenient to use the system
  • Additional fees for investors who are not from Lithuania

Atnaujinta – 2022.09.01

* Dauguma viršuje pateiktų platformų siūlo išskirtinį bonusą, skirtą specialiai per mūsų svetainę atėjusiems lankytojams. Jums užtenka paspausti “Žiūrėti” ir tas bonusas bus automatiškai užskaitytas po pirmos investicijos. Tiesa, šių bonusų sąlygos nuolat keičiasi ir mes ne visada spėjame jas atnaujinti savo svetainėje, tad dėl jų galite papildomai pasiteirauti jūsų investuojamos platformos klientų aptarnavimo skyriuje.

 

P2P investavimas – kas tai?

P2P investavimas – tai pastaruoju metu itin populiarus būdas įdarbinti savo pinigus. Šis metodas paremtas sutelktiniu investavimu, kai žmonės skolina kitiems žmonėms, įmonėms ar projektams. Populiariausi P2P modeliai, kai investuojama į vartojimo paskolas arba nekilnojamąjį turtą.

P2P investavimas vyksta specialiose investavimo platformose, kurios veikia kaip tarpininkas tarp investuotojo ir žmonių, įmonių ar NT vystytojų, ieškančių būdų pasiskolinti. Šių platformų darbas išanalizuoti paskolos gavėjų informaciją, kreditingumą ir nustatyti rizikos lygį. Tik patvirtintos bei kruopščiai peržvelgtos paskolos ar projektai patenka į platformas, kur galima investuoti. Tokiu atveju, jei paskolos gavėjas jos negrąžintų, dažniausiai riziką prisiima investuotojas, tačiau nemažai P2P investavimo platformos taiko papildomų funkcijų, kurios užtikrintų saugumą.

Toks investavimo būdas patrauklus, nes galima investuoti nedideles sumas ir diversifikuoti savo portfelį, o palūkanos siekia nuo 8 iki 15 %. Jis taip pat yra paprastesnis už investavimą į fondus – pakanka užsiregistruoti, patvirtinti savo duomenis ir pasirinkti projektus ar paskolas, į kurias norite investuoti. Taip pat galima ir automatinio investavimo funkcija, kuomet pagal pasirinktus kriterijus sistema automatiškai investuoja į juos atitinkančius projektus.

Investavimas į vartojimo paskolas

Investavimas į vartojimo paskolas dažnai yra trumpalaikis, todėl grąžos galima tikėtis po kelių mėnesių. Trumpesnis laikotarpis reiškia mažesnę investavimo riziką ir yra privalumas nenorintiems įšaldyti lėšų. Vartojimo paskolas taip pat lengviau diversifikuoti, nes yra daug paskolos gavėjų ir skirtingų profilių, o tai taip pat sumažina nuostolių tikimybę.

Vartojimo paskolų grąžinimas priklauso nuo jo gavėjo kreditingumo ir finansinės situacijos, todėl daugelį gali gąsdinti tokia investicija. Dėl šios priežasties reikėtų investuoti per platformas, kurios kruopščiai atrenka paskolas ir turi papildomų saugiklių, pavyzdžiui, paskolos išpirkimo garantija, kai įsipareigojama išpirkti investicijos sumą ar net palūkanas tuo atveju, jei gavėjas vėluos atiduoti įmokas.

Nors vartojimo paskolų rizika yra didesnė už investicinių fondų ar NT projektų, jos palūkanos taip pat didesnės ir gali siekti nuo 8 iki 15 %. Investuoti į paskolas paprasta ir nereikia specifinių žinių, o tai daryti galima nuo labai mažų sumų, pavyzdžiui, 10 eurų. Tai puikus investavimo įrankis tiek pradedančiajam, tiek pažengusiam.

Investavimas į nekilnojamojo turto projektus

Tai investavimo tipas, kai žmonės gali surinkti reikiamą ar trūkstamą sumą NT projekto vystymui, valdymui. Dažniausiai tai gyvenamosios ar komercinės paskirties pastatai, skirti pardavimui arba nuomai. Investavimas į NT yra stabilesnis ir patikimesnis variantas už investicijas į vartojimo paskolas, todėl palūkanos yra mažesnės. Rinkos vidurkis – nuo 8 iki 10 %.

NT projektai yra ilgalaikiai ir labai priklauso nuo aplinkybių, todėl grąža gali pasiekti ir po 1–2 metų ar dar ilgesnio laikotarpio. Į NT investuoti galima nuo 50 ar 100 eurų, tačiau kai kuriose platformose geresnės sąlygos taikomos didesniems investuotojams, kurie gali skolinti solidžias sumas.

Skirtingai nei vartojimo paskolų, investicijų į NT platformos siūlo mažiau projektų, todėl sudėtingiau diversifikuoti investicijas, kyla rizika, kad jei projektui nebus surinkta pilna suma, jo įgyvendinimas stos, todėl investuotojai atgaus pinigus ir liks be planuotų palūkanų. Investuojant į NT specifinių žinių nereikia, bet jei norisi investuoti didesnę pinigų sumą, reikėtų pasidomėti pačiu vystytoju ir gerai pasverti riziką.

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