Bondster.com レビュー 135

Bondster.com からの回答

2025年12月5日

Hello,
Bondster offers a wide range of loans from vetted and reliable loan originators whose loans are being duly repaid. Regular risk assessment and the careful selection of trustworthy partners are among our top priorities.
We encourage investors to diversify their portfolios not only across different loan originators, but also across individual loans, as this significantly helps to reduce investment risk.
In cases where loan originators have breached contractual terms and are not meeting their obligations, we are actively working to remedy the situation. We are using legal remedies and other measures with the aim of recovering investors’ funds as quickly as possible.
Other users of our website have not reported any errors. If you encounter any issues, please let us know.
The Bondster Team

Bondster.com からの回答

2025年7月18日

Hallo,
Vielen Dank für Ihren Kommentar, allerdings trifft die beschriebene Situation nicht auf unsere Plattform zu. Wir bieten keine Abonnements an, wir geben keine Auskunft über Schufa-Scores und wir arbeiten nicht mit Inkassounternehmen zusammen.
Wenn Sie eine Frage zur Bondster-Plattform haben, können Sie uns gerne unter info@bondster.cz kontaktieren.
Mit freundlichen Grüßen,
Das Bondster-Team

Bondster.com からの回答

2025年7月10日

Vážíme si Vašeho komentáře a děkujeme za něj!
Tým Bondster.

Bondster.com からの回答

2025年6月18日

Dear Marcin,
Thank you for your feedback. We understand your concerns regarding overdue loans. Please be assured that we are actively addressing all such cases in cooperation with loan originators, legal representatives, and regulatory authorities. When out-of-court settlements are not possible, we proceed with legal action.
The recovery process usually requires more time, but our priority remains achieving the highest possible return of invested funds. In many cases, we have already successfully recovered outstanding amounts, including interest, and we continue to pursue further recoveries.
You can find up-to-date information on individual delayed originators on our website.

Best regards,
The Bondster Team

Bondster.com からの回答

2025年6月18日

Dear Kathy,
The Bondster platform offers a wide range of loans secured by real estate or other tangible assets. These types of investments provide attractive returns along with a high level of collateral. If a borrower fails to repay the loan, the collateral can be sold and the proceeds used to satisfy investors' claims.
There are also unsecured loans available on the platform, which generally offer higher returns but also come with a higher level of risk. No investment is completely risk-free, which is why diversification is key when investing in loans. We recommend diversifying not only across different types of loans but also across multiple loan originators.

Best regards,
The Bondster Team

Bondster.com からの回答

2025年12月5日

Hello,
with regard to loan originators who have committed serious breaches of their contractual obligations, we are taking the necessary steps to recover the full outstanding amount including interest. Thanks to our active approach, we have already managed to negotiate gradual repayment schedules with some of the providers you mentioned. We regularly publish information about loan originators who have breached contractual terms and are in default on our website.
We would also like to emphasise that we do not respond to investors’ enquiries with automated messages. Each enquiry is handled individually by our back-office team. If you have any questions regarding the platform or specific loan originators, please do not hesitate to contact us. We are ready to provide you with all the information and support you may need.
The Bondster Team

Bondster.com からの回答

2025年3月28日

Good day,
Thank you for your feedback.
The Auto-Invest feature is simply a tool designed to automate the investment selection process, helping you save time when managing your portfolio on Bondster. However, its use is entirely optional – you are always free to select investments manually according to your own preferences.
At Bondster, we offer a wide range of loans – both secured and unsecured – from a variety of loan originators, in order to meet the needs of a diverse group of investors.
Naturally, we are not tax advisors and therefore cannot offer tax-related services. Tax obligations vary by country and may also differ from one investor to another, which is why such services are typically not provided by investment platforms.
We have detailed guides available on our website as well as instructional videos on our YouTube channel [link]. Additionally, our customer support team is always ready to assist you with any questions you may have.
Early exit is possible with some investments (depending on specific parameters), and you can always offer your investments for sale to other investors via the secondary market. Some investments are also secured – for example, Acema has long offered real estate-backed loans on our platform, with relatively low loan-to-value (LTV) ratios.
We’re sorry to hear about your negative impression of our platform. However, we believe this may be the result of some inaccurate or incomplete information about Bondster. If you decide to give us another chance, our customer support team will be happy to assist you with anything related to investing on our platform.
Kind regards, Team Bondster

Bondster.com からの回答

2025年3月28日

Dear Thomas,
Thank you for sharing your experience.
We respectfully disagree with the claim that we do not keep our investors informed. In cases where there is a delay in payments from a loan originator, we regularly publish updates on our website, providing information on the reasons for the delay, the resolution process, and the steps being taken in debt recovery. [Link]
We strive to share all relevant details that can be disclosed without negatively impacting the ongoing recovery efforts.
Kind regards, Team Bondster

Bondster.com からの回答

2025年3月28日 に更新

Dear Rui,
Thank you for sharing your experience with us.
Investing with the potential for above-average returns naturally carries certain risks, which we regularly highlight to our investors. From time to time, some loan originators may encounter temporary difficulties, which can, in turn, affect investor payouts. In such cases, we actively work to recover the funds — and in most instances, we have been successful, although the process may sometimes take longer.

We have consistently emphasized the importance of diversifying one’s investment portfolio. Spreading investments across multiple originators and loan types is key to minimizing the impact of potential issues with individual providers. From our experience, we know that less experienced investors may not always prioritize diversification — and if issues arise with one of the few selected originators, it can result in a temporary withholding of a significant portion of their investments.
Kind regards, Team Bondster

Bondster.com からの回答

2025年3月28日 に更新

Good day,
We must respectfully but firmly refute your inaccurate claim that the buyback guarantee and the debt recovery process on the Bondster platform are fraudulent.
The buyback guarantee is provided by our partners – the loan originators. These companies bear full responsibility for fulfilling the guarantee, and the vast majority of them meet their obligations consistently.
It is equally incorrect to suggest that we ignore situations in which certain originators fail to uphold the buyback guarantee or experience delays in making payments. In such cases, we take active steps to recover investor funds and provide regular updates on our progress through the Bondster website.
It is important to understand that investments offering higher returns inherently involve certain risks. We have long and consistently communicated this to our investors. At times, a loan originator may encounter financial difficulties, which can affect investor payouts. Even in such situations, we remain committed to recovering funds – and in most cases, we have successfully done so, though the process may require more time.
We strongly encourage all investors to diversify their portfolios across multiple loan originators and loan types. Diversification is a fundamental strategy for mitigating risk. Our experience shows that some investors – especially those newer to the platform – may underestimate the importance of this approach. As a result, issues with a single originator can lead to a significant portion of their investments being temporarily withheld.
The average annual return on loan investments through the Bondster platform currently stands at 11.7%, based on real performance data from all investors. Many investors have achieved even higher long-term returns, depending on their risk profile and investment strategy.
Naturally, instances where a loan originator fails to meet its obligations to investors – such as not executing a buyback – are undesirable for all parties. The application of recovery-related costs is a standard process, clearly defined in our Terms and Conditions, and implemented only in exceptional cases. It is important to note that if recovery efforts are unsuccessful, or if the recovered amount is lower than the associated costs, the resulting loss is borne entirely by Bondster.
Kind regards, Team Bondster

Bondster.com からの回答

2025年2月10日

Dear Leonardo,
We conduct thorough due diligence on loan providers before listing them on our platform and continuously monitor their financial standing. If concerns arise, we immediately downgrade their rating. The risk assessment of loan providers is publicly available on our website.
The buyback guarantee is provided and ensured by the loan provider itself. If the guarantee is not fulfilled, we immediately suspend the listing of new loans and take necessary steps to secure the repayment of obligations to investors. Updates on the recovery process are shared on our website; however, for confidentiality reasons, we cannot disclose details that might compromise negotiations.
Best regards,
The Bondster Team

Bondster.com からの回答

2025年2月5日

Guten Tag,
vielen Dank für Ihr Feedback. Wir verstehen, dass ausstehende Kredite Besorgnis und Unbehagen hervorrufen können. Wir möchten Sie jedoch versichern, dass wir in intensiven Verhandlungen mit den Kreditgebern stehen, die die vertraglich zugesicherte Rückkaufgarantie nicht eingehalten haben. Dabei ergreifen wir alle möglichen Maßnahmen, um die ausstehenden Beträge für unsere Investoren sicherzustellen. Leider ist dieser Prozess – insbesondere, wenn es zu rechtlichen Verfahren kommt – zeitaufwendig. In der Vergangenheit ist es uns jedoch bereits gelungen, Gelder von mehreren Kreditgebern zurückzuholen, die ihre Garantie nicht erfüllt haben. Wir sind zuversichtlich, dass wir auch in den aktuell laufenden Fällen erfolgreich sein werden.
Es tut uns leid, falls Sie das Gefühl haben, dass die Kommunikation nicht ausreichend ist. Wir sind uns bewusst, wie wichtig es für Investoren ist, einen Überblick über die aktuelle Situation zu haben, und setzen alles daran, Sie und alle anderen Anleger bestmöglich zu informieren. Informationen zur aktuellen Entwicklung veröffentlichen wir regelmäßig auf unserer Webseite.

Grundsätzlich empfehlen wir die Diversifikation des Portfolios als eine der wirksamsten Strategien zur Minderung möglicher Verzugsrisiken. Auf unserer Plattform finden Sie zudem attraktive, mit Immobilien besicherte Kredite, die ein hervorragendes Verhältnis von Rendite und Risiko bieten. Im Falle eines Zahlungsverzugs des Schuldners wird die verpfändete Immobilie veräußert, und der erzielte Betrag dient der Begleichung der Forderungen der Investoren.
Mit freundlichen Grüßen
Ihr Bondster-Team

Bondster.com からの回答

2025年1月20日

Dear Melita,

While we carefully select loan providers and conduct regular monitoring, it is not entirely possible to eliminate the risks of payment delays or non-repayment in loan investments. Should such a situation occur, Bondster takes proactive steps, working closely with loan providers and implementing necessary measures to recover the full outstanding amount. For instance, we have previously succeeded in recovering funds for investors from the provider RapiCredit https://bondster.com/en/blog/rapicredit-has-repaid-all-its-liabilities-to-investors/.

To mitigate risks, we strongly recommend a well-diversified portfolio, which helps minimize the potential impact of issues arising with individual loans or providers.

If you have any questions or require further information about risk management strategies, please do not hesitate to contact us. We are here to assist you.

The Bondster Team

Bondster.com からの回答

2025年1月20日

Michale, mockrát děkujeme za Váš komentář!

Bondster.com からの回答

2024年11月27日

Guten Tag,
Ihr Kommentar bezieht sich nicht auf die Plattform Bondster, da die von Ihnen erwähnte Gebühr weder von uns erhoben wird noch jemals erhoben wurde. Die Eröffnung und Führung eines Anlegerkontos bei uns ist vollständig kostenlos und ohne jegliche jährlichen Gebühren verbunden. Detaillierte Informationen zu unserer Gebührenstruktur finden Sie auf unserer Webseite: https://bondster.com/de/investieren/gebuhren/ .

Bondster.com からの回答

2024年11月14日

Guten Tag,
Ihr Kommentar bezieht sich nicht auf die Plattform Bondster, da die von Ihnen erwähnte Gebühr weder von uns erhoben wird noch jemals erhoben wurde. Die Eröffnung und Führung eines Anlegerkontos bei uns ist vollständig kostenlos und ohne jegliche jährlichen Gebühren verbunden. Detaillierte Informationen zu unserer Gebührenstruktur finden Sie auf unserer Webseite: https://bondster.com/de/investieren/gebuhren/ .

Bondster.com からの回答

2024年11月14日

Mockrát děkujeme za Váš komentář!

Bondster.com からの回答

2025年12月5日

Guten Tag,
auf der Bondster-Plattform steht Anlegern eine breite Auswahl an Krediten von geprüften und zuverlässigen Kreditgebern aus verschiedenen Ländern der Welt zur Verfügung. Zu den gefragtesten Produkten gehören grundpfandrechtlich besicherte Kredite, großer Beliebtheit erfreuen sich jedoch auch renditestärkere unbesicherte Kredite. Das Angebot der Plattform deckt ein breites Spektrum an Anlegertypen ab – von konservativen Anlegern bis hin zu solchen mit einer höheren Risikotoleranz.
Jeden neuen Kreditgeber prüfen wir vor der Aufnahme auf die Plattform sorgfältig. Wir analysieren seine Finanzberichte ebenso wie seinen Geschäftsplan. Nach der Aufnahme auf die Plattform überwachen wir regelmäßig die finanzielle Situation des Kreditgebers. Unser Ziel ist es, Anlegern vielfältige und zugleich möglichst sichere Anlagemöglichkeiten zu bieten.
Ihr Bondster-Team

Bondster.com からの回答

2024年10月10日

Guten Tag,
wir möchten Ihnen versichern, dass wir aktiv mit Anbietern verhandeln, die gegen die Vertragsbedingungen verstoßen und die Rückkaufgarantie nicht einhalten. Unser Ziel ist es, die Anbieter dazu zu bringen, alle Forderungen der Anleger so schnell wie möglich zu begleichen. Wir aktualisieren die Informationen über säumige Anbieter in der Rubrik “Ausstehend“ einmal im Monat und in der Rubrik “Längerfristig ausstehend“ einmal im Quartal. Im Oktober 2024 haben wir das Spektrum der Status erweitert, um die aktuelle Situation genauer zu beschreiben und ein klareres Bild von der Entwicklung der einzelnen Fälle zu vermitteln.
Mit freundlichen Grüßen,
Ihr Bondster-Team

Bondster.com からの回答

2024年9月30日

Hello,
Please be assured that we are in intensive negotiations with the providers who have not fulfilled their buyback guarantee, and we are doing our best to ensure that the claims of the investors concerned are settled as soon as possible. The list of such providers is updated on the blog once a month, and it includes key information on how the situation is progressing.
Should you decide to stay on the platform, there is a range of loans secured by real estate offered by the Czech provider ACEMA. These loans come with attractive returns and a higher level of security. In the event of a borrower defaulting on the loan, the mortgaged property is sold and the proceeds are used to satisfy investors’ claims. You can also invest in these loans in euros.