Thats true, could be worse! and btw congrats for hitting the 10k mark, in only a few months
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Attachment 10854
Three months invested in Harmoney, hoping to get to about $14,000 in by end of year. Displayed RAR hasn't quite reflected my actual RAR yet, waiting on a bit more interest to come in. Any tips from anyone on what you think the best Auto-Lend filter settings are? Cheers.
Supposedly Harmoney has changed the grading system... So a B5 loan of yesterday is no longer the B5 loan of today.
Does this resonate? I came across this dubious B5, and can't see too much evidence of a difference between the grading on 1.6 and 1.5. So am wondering if there was validity to this claim?
Attachment 10856
Attachment 10857
12 months and the wholesale (owners & institutions) RAR has increased by nearly 1% while the retail (us mugs) RAR has declined slightly. I suspect that the "better" loans are being cherry picked for the owners?
Wow, the repayment to income ratio is scary!!!
Apart from that, I guess as a borrower he seems not too bad - homeowner of 13 years with stable job and history of repayments. If he's a B5 I agree nothing much has changed, I would have expected him/her to be a lower B in the new grading system.
I just think he's just borrowing too much.
There's this too.
Attachment 10860
I just tend to take a small piece of everything. Just to get the benefit of the information... But within reason