Mortgage portfolio overview (March of 2022)

As we predicted, the entire funded quantity in March was much like February. Our buyers financed €16,7M value of loans and, regardless of macroeconomic modifications, investor and borrower conduct stays secure. Throughout March, Estonia and Germany once more carried out nicely, every contributing 30% of the entire mortgage quantity. 

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Mortgage repayments amounted to half of these in February (€5,4M, 19 loans). The diploma of volatility is reflective of seasonality and never cost issues, and we anticipate repayments to enhance within the second quarter.

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The default charge decreased to five,0% and is now according to the long-term goal charge we set internally. This was primarily resulting from robust debt administration in Estonia, the place one mission’s full principal quantity was recovered (€0,9M). The remainder (curiosity, penalties and so on) will probably be acquired by our buyers following the profitable conclusion of ongoing authorized disputes.

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As of 12.04.2022   
Complete financed loans since 2014 €550,8M
Complete repaid loans since 2014 €304,9M
Complete excellent portfolio €245,8M
Complete excellent defaulted loans €12,4M 
Complete variety of excellent defaulted loans 48
Default charge (excellent loans) 5,0%
Partially recovered loans charge (excellent loans) 1,6%
Default charge (whole financed loans) 2,3%
Complete quantity of recovered loans (together with partially) €17,0M
Complete variety of totally recovered loans 98
Common return charge of totally recovered loans 9,5%
Common time from default to restoration 8,9 months
Write-off charge (whole financed loans) 0,007%

We’ll hold you knowledgeable in regards to the credit score portfolio high quality month-to-month.

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