Bondora / isePankur

 isePankur platform allows individuals and companies to lend money to each other , without the intervention of a bank or financial institution. Applicants may request between 500 and 10,000 euros to be returned in a maximum of 60 months. Savers who want to invest their money will have the best guarantees and a very attractive return.

Bondora isePankur additional information

Bondora / isePankur is an international platform dedicated to managing and contacting individuals and companies that need financing, with individuals and investment companies that are willing to offer such financing. That is, it is an intermediary company of personal loans between individuals and / or companies that removes the banks and financial entities from the equation.

The intention of Bondora / isePankur is to democratize finances. For this purpose, it makes available to borrowers and lenders a system that facilitates and expedites the request, processing and granting of loans between the various parties. Through this system you can request between 500 and 10,000 euros with return terms ranging from 1 to 60 months.

wnwa2prm The process to apply for a loan is very simple. You must fill out the application form of the Bondora / isePankur website and provide all the documentation requested. Once your data has been verified, your request will go to an auction in which investors will make offers to offer financing, placing first those that lower interest ask.

Your request can be active for a maximum of 3 days, even if 100% has been covered, in order to receive better offers, although you can close it once it reaches 100%. The money will be transferred to your Bondora / isePankur account, from where you can make a transfer to one of your bank accounts.

In order for your application to be accepted, you must comply with a series of requirements , necessary for investors to have sufficient guarantees that their money will be returned. It is necessary to have a salary that covers the monthly expenses of the credit, not appear on delinquency lists or have any default, have no criminal record or any gambling problem in your history.

It will also be necessary to provide bank statements and other documents that prove your identity and your solvency. The better your economic situation, the more financing offers you will receive and the lower interest you will pay. The minimum interest paid on loans through Bondora / isePankur is 12%, from there it will depend on how attractive your proposal is.

In addition, you can also register as a private lender and invest your savings in loan applications from other individuals and companies. You can start with just 5 euros and get very attractive rates of return. With just a few minutes a month you’ll have enough, Bondora will take care of the rest.

For investors, the entity offers a series of tips to optimize the loans granted . Depending on the risk profile, you can bet more on some loans than on others, but one of the main recommendations is to diversify. If the money is shared among multiple borrowers, the risk of losing it is also shared and, in case of default, the impact on the total will be much lower.

The process of selection of candidates by Bondora is very meticulous and all possible data of the applicant is checked to be able to create a profile and find out its solvency. From there, the entity assigns a score that will determine the interest that must be paid. The higher this interest is, the less solvent the applicant will be, so the chances of having problems paying will increase.

As you can see, besides being a company where applying for a loan is also an excellent opportunity to invest and get a return on your savings. At a time when bank deposits do not contribute anything, you may be able to consider this option.

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The 'hacking' of a Panamanian law firm uncovers a world elite of evaders

The investigation points to the environment of Putin, Macri and the Icelandic prime minister

The investigation points to the environment of Putin, Macri and the Icelandic prime minister

New media hit to tax havens . A massive hack has brought to light 11.5 million files of the Panamanian law firm Mossack Fonseca , a law firm that is one of the five largest in the world specialized in serving opaque companies. The documentation obtained uncovers hundreds of people involved: among them, twelve heads of state or prime ministers, six of whom are active, 128 leading politicians, 61 relatives or close associates, 29 people who are part of the Forbes list of the first world fortunes, in addition to businessmen, sportsmen or personalities from the world of entertainment.

Unlike other leaks about opaque international operations that focused on a single bank, such as the Swiss leaks , referred to the HSBC, and the UBS leaks , or in a single financial market on the global scene, such as the Luxembourg leaks, the already known ones as the Panama Papers show a global panorama of the phenomenon of opaque operations involving a large number of countries and financial transactions worldwide.

The origin of the scandal comes from an anonymous source who sent internal documents from the Mossack Fonseca office to journalists from the Süddeutsche Zeitung in Munich more than a year ago. The German newspaper decided to share this information with the International Consortium of Investigative Journalists (ICIJ), based in Washington, which has coordinated the work since last July. The investigation includes 11.5 million documents covering operations of 214,000 companies in virtually all countries from 1977 to December 2015 in 21 tax havens. The information was broadcast yesterday by a hundred media outlets from 77 countries, including The Guardian, Le Monde, BBC and, in Spain, El Confidencial and La Sexta .

Among the people listed in the documentation who would be involved in opaque operations carried out from Mossack Fonseca are the Prime Minister of Iceland, Sigmundur David Gunnlaugsson, or the President of Argentina, Mauricio Macri. Also people from the surroundings of the Russian president, Vladimir Putin (leads to him a track of loans of 2 billion dollars); of which was president of Egypt Hosni Mubarak; of Libyan ex-leader Muammar Gaddafi, and Syrian head of state Bashar al-Assad. A series of credits point to FIFA officials.

 

The names of ex-footballer Michel Platini and Leo Messi are also included in the documents.

The names of ex-footballer Michel Platini and Leo Messi are also included in the documents.

Sources close to the Argentine player yesterday rejected this information and explained that all taxation is done through the company Leo Messi Management. They also added that they have submitted all the relevant supplementary declarations.

In the list of alleged fraudsters there are several Spaniards. One is Pilar de Borbón, sister of King Juan Carlos, who would have presided over a company (Financial Front, created in 1974) that, according to the leaked documentation, closed in June 2014, five days after the proclamation of Felipe VI.

They also include the brothers Agustín and Pedro Almodóvar, who are listed as agents of a company (Glen Valley Corporation, discharged in 1991 in the British Virgin Islands), which was in operation coinciding with the premieres of the films Tacones farades and Kika.

Also, in the dossier there are members of the Domecq family , who since 2005 have been authorized by Rinconada Investments Group, based in Panama.

Offshore companies are companies that do not register any real economic or commercial activity. While it is not illegal to have a firm in a tax haven, it serves as a screen for their owners to transfer money, make financial transactions, open bank accounts abroad or carry out operations without the tax burdens they have in the countries of origin.

According to information released yesterday, the Mossack Fonseca law firm helped its clients to launder money, avoid sanctions and evade taxes. His modus operandi was to provide names of directors and shareholders to hide the identity of the true owners of these ghost companies. In some cases, to make it difficult to trace the activities, the same fraudster acted through three or four offshore companies spread across several countries.

Panama is one of the countries in which the legal profession has specialized more in recent years in the creation of companies that have headlines (activity that is protected by Panamanian law) that are offered to residents abroad to Deposit funds in the country. Formally, the opening of accounts in Panama through a front man (who in parallel grants powers to the real owner of the money through a private contract) is not a crime per se. It is if those funds come from criminal activities or money laundering. Or if the interest of the one that opens the account is to escape to the Property of the country in which it resides.

The specialization of Panama in this type of activities is well known by the international tax authorities.

The specialization of Panama in this type of activities is well known by the international tax authorities.

Many times it is the banks of other countries reputed for their low tax burden that direct their owners to that country. And the difficulties that Panamanian legislation supposes for researchers are also known. The release to the public light of the true owners of tens of thousands of accounts managed by one of the big Panamanian law firms is a blow to a country that has specialized in these activities and in which the great lawyers also dominate the political system .

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The owner of the English academies Brighton accepts three years in prison

The owner of the English academies Brighton accepts three years in prison

Barcelona. (EFE) .- Alfredo I., the owner of Brighton English academies , who went bankrupt in 2002 leaving thousands of students in the street , has accepted a three-year prison sentence in the trial that has been held against He at the Audiencia de Barcelona, ​​after a decade of broken training. In the fifth section of the Audiencia de Barcelona the trial against Alfredo I was scheduled today, for whom the Prosecutor’s Office initially requested eight years in prison, plus a fine of 14,400 euros, for a punishable insolvency offense and another for continued fraud.

The public prosecutor , however, has withdrawn the accusation for the crime of insolvency punishable and has left in three years the penalty for fraud after the owner of the academies agreed to settle for that sentence reduction. The agreement, which has prevented the holding of a trial that was to last for weeks, also includes four of the five banks that the prosecution also accused as civil liability, for having continued to charge students who had subscribed loans with them to pay for English courses.

Only Banco Pastor has refused to accept the pact with the public prosecutor, who has withdrawn his accusation against the other banking entities for having consigned the money that was claimed to them in the criminal process. The Accés Language company, owner of the Brighton academies, of which the defendant was the sole administrator, has also complied with the agreement, as explained by the lawyer representing them, Jordi Busquets. The defendant has accepted before the court the facts attributed by the Prosecutor for the bankruptcy of the language academies, which he created in April 1999 with the opening of several centers in Barcelona and the Barcelona towns of Badalona, ​​Martorell and Sabadell.

According to the facts included in the fiscal qualification brief, and which have been accepted by the defendant, in 2001, due to the ” generalized crisis ” of the sector and the expansionist policy of the business, the defendant was faced with several economic problems that led him to default on the rent payment of the leased premises. For the prosecutor, this expansionist policy was due in part to the aggressive advertising of the product as a “new business policy” that consisted of requiring students to pay for the contracted course early, allowing them to finance it through a medium-term loan with banking entities. who had previously arranged their concession with the accused.

In 2001, the company’s short-term debts were 1.1 million euros, which it faced without the ability to repay them, so their situation was “technical bankruptcy”, due to lack of assets and sufficient income to meet the payment required. However, according to the prosecutor, the defendant, failing to do his duties and knowing his insolvency situation, “which he had hidden with obvious profit motive”, continued to offer courses, including fifteen different languages, with significant price reductions and hiring verbally to new teachers.

In 2002, the company’s losses amounted to 57,064 euros and its debts to 1.5 million , with a total of 3,783 students enrolled. According to the prosecutor, on October 29, 2002, the defendant, who “continued to offer his courses and admitting student enrollments until the day before,” presented a voluntary bankruptcy petition in the courts, without informing the workers or the students. of the academies. The case for English academies Brighton came to trial in 2008, but a judicial oblivion forced to return it to instruction because almost 1,400 injured had been left out of process.

The prosecutor argued that he did not include those affected in his qualification because he trusted a list provided by court of instruction number 25, in which only a thousand students were registered. Although in the hearing room the defendant has accepted the integrity of facts that he accused the prosecution, in a statement sent to the media has ensured that at no time “acted in bad faith, or with profit to profit” and also invested ” until the last moment “your personal assets to be able to continue with the activity of the company.

The defendant alleges in the statement that he commissioned a computer company a comprehensive management program to manage its growth, although it was delivered late, and with a malfunction, which prevented him from detecting that 46% of students had already paid their tuition. , but not the rest of the course, and in spite of that they continued receiving language classes and occupying a place that they did not pay.

 

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