最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯基于互联网平台的金融业务

Zopa推出全新三级阶梯式产品结构

最新消息显示,P2P领军企业Zopa将抢在英国政府创新金融计划(Innovative Finance ISA)之前发布一系列借贷新产品。

新产品分为三种类型:Zopa Access、Zopa Classic和Zopa Plus。这些产品将会一起为Zopa新老借款人提供更选择。

通过拓展贷款产品选择范围,Zopa希望根据英国消费者的风险承受能力和收益需求为他们提供更合适的交易渠道。

Zopa认为,从风险等级来看,Zopa Plus 6~7%的预期收益是非常有竞争力的。新产品的具体收益率将会在3月1日宣布。

(1) Zopa Access

贷款保障--有

回报率--除去预期违约后大概3-4%

进入--没有手续费

ISA资格--有

(2) Zopa Classic

贷款保障--有

回报率--除去预期违约后大概4-5%

进入--1%的手续费

ISA资格--有

(3) Zopa Plus

贷款保障--无

回报率--除去预期违约后大概6-7%

ISA资格--有

新产品

Zopa Access--没有接入费用

为了那些看重购买便捷度的客户,Zopa创建了Zopa Access。这个产品安全有保障,而且没有接入费用,但是相比Zopa Classic的预期回报要稍微低一些。这将吸引那些很看重资金入口或者是风险偏好很低的客户。

Zopa Plus--无贷款保障,高回报和一些附加风险

对那些希望通过Zopa多元化模型进行借款并且不要求附加贷款保障的投资者,Zopa推出了Zopa Plus系列产品。这款产品让客户可以在A*到E市场贷款给借款人,同时混合着D和E类高风险贷款,客户可以从中得益,获得更高的预期收益率(大约6~7%)。

Zopa首席产品官Andrew Lawson表示:“Zopa的新产品是为了给P2P的新老客户提供更多的选择。我们正在收集整理客户反馈我们相信那些产品能够提供更平衡的收益、风险和收益。此外,我们能够在ISA范围内提供这三个产品,这无疑将帮助英国消费者从他们辛苦挣的钱中获得更高的价值。”

这些产品适用于ISA监管吗?

是的,Zopa计划提供的每个产品都符合ISA。

当新产品发布时,客户手中正在处于短期或长期的贷款会怎么样?

对于现在的Zopa贷款人,因为我们会对现有短期和长期产品进行退款,本息会进入新的Zopa Classic产品。

如果现有客户希望把现有贷款从Zopa Classic当中转入其他新产品中的话,他们可以选择卖掉他们现有贷款然后购买新产品的贷款,或者是关闭重复贷款然后让本息积攒到现有的账户,投入新的产品中。

客户能够拥有多个新产品吗?

当然可以。如果他们选择这样去做,客户可以同时拥有Zopa Access、Zopa Classic和Zopa Plus的产品。然而在给定时间内,他们只能选择为新基金选择一个。

Peer-to-peer pioneer Zopa will launch a new range of lending products in mid-March ahead of the new Innovative Finance ISA.

The new products will replace the existing lender offering with three new lending options: Zopa Access, Zopa Classic and Zopa Plus. Together, these products will offer more choice and flexibility to both existing and new Zopa lenders.

By offering a wider range of choice over its lending products, Zopa is providing a compelling offering to UK consumers based on their appetite for risk and what level of access they require.

Zopa believes the predicted returns of around 6-7% for Zopa Plus will be extremely competitive based on the level of risk lenders choose to take. Specific rates for each product will be announced on 1st March.

(1) Zopa Access

Safeguard lending - Yes

Returns - Around 3-4% after expected defaults

Access – No fee to sell loans

ISA eligible - Yes

(2) Zopa Classic

Safeguard lending – Yes

Returns – Around 4-5% after expected defaults

Access – 1% fee to sell loans

ISA eligible - Yes

(3) Zopa Plus

Safeguard lending - No

Returns – Around 6-7% after expected defaults

Access – 1% fee to sell loans

ISA eligible - Yes

New Products

Zopa Access – no access fees

For customers who value easy access to their money, Zopa has created Zopa Access, which has Safeguard but which has no access fee and a slightly lower expected return than Zopa Classic. This will appeal to customers who value access to their money or have a lower risk appetite.

Zopa Plus – Non-Safeguard lending, some added risk with higher returns

For customers who are comfortable to lend their money via Zopa’s diversification model and do not require the additional security of Safeguard, we’ve created Zopa Plus. This product allows customers to lend to borrowers in A*-E markets, and by including higher risk D and E loans within the mix, lenders can benefit from, higher predicted rates of return (around 6-7%).

Zopa’s Chief Product Officer, Andrew Lawson said, “Zopa’s new products are designed to provide more choice for our customers, whether they’re seasoned Zopa lenders or new to peer-to-peer lending. We’ve listened carefully to feedback from our customers to create a range of products we believe will deliver the right balance of returns, risk and access. Even more exciting is that we’ll be able to offer all three products within an ISA, which will help UK consumers get even more value from their hard-earned money.”

Will these products be available with an ISA wrapper?

Yes – subject to regulatory approval, Zopa plans to offer each of these products with ISA wrappers.

When the new products launch, what will happen to customers’ loans that are in the current short or long products?

For current Zopa lenders as we retire the existing short and long products, repayments will cycle into the new Zopa Classic product.

If an existing customer wishes to move their existing loans from Zopa Classic into one of the other new products, they can choose to either sell their loans and purchase new loans within a new product, or turn off relending and allow repayments to collect within their holding account and then allocate those funds to a new product.

Will customers be able to have multiple new products?

Yes – if they chose to do so, customers can have Zopa Access, Zopa Classic and Zopa Plus products at the same time - however only one can be selected for new funds at any given time.


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