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The revolution of peer-to-peer credit

Tired of knocking on the doors of banks and financial for a loan?
E 'incoming in'Italia credit P2P , a revolutionary way to get and give credit.
The system is similar to the classical data exchange that happens on programs like "eMule", but in this case what is being exchanged are not films but music and money.

Zopa.it and Boober.it are the two new companies that allow the user or tPress sums up to € 15,000 from private donors.

But let 's see how it works:

1. Request a loan
2. are raised through a mortgage interest rate and duration.
3. Provide your personal details
   
4. you are assigned a credit profile
5. After the checks you receive the money

To obtain a loan must meet the following parameters:

• - be adult
• - have less than 70 years after the funding
• - be resident in Italy, but not necessarily an Italian citizen
• - certified have income derived from employment (including temporary or training contract) or from self-employment or non-standard work or occupational pension
• - be an account holder bank or post office in Italy.
• 
  

Those who want to lend money get around 7-10% yields. In order to minimize the risk of default on the amount borrowed verrà suddiviso attraverso più richiedenti.

Al momento questi servizi sono in fase di start-up.

Speriamo che questo meccanismo riesca ad ottenere fiducia da parte dei cittadini, i quali potranno finalmente utilizzare il sistema creditizio senza più dover ricorrere ad istituti bancari o magari agli strozzini.

Finalmente un'idea nuova di circolazione del denaro!!