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SaveLend - Frequently asked questions about SaveLend

Get started in just 5 minutes!

  1. 1
    Create an account with SaveLend
  2. 2
    Choose one or more of SaveLend's savings and investment products
  3. 3
    Make your first deposit
  4. 4
    Your money is automatically invested
Create an account

Vanliga frågor och svar

Här har vi samlat vanliga frågor och svar. Om du inte hittar svaret du letar efter kan du självklart kontakta vår kundtjänst.

FAQ about return and investments

Here are some frequently asked questions and answers about returns and investments on our platform. If you do not find the answer you are looking for, you can always contact our customer service.

 

  • We recommend that you spread your capital among at least 100-200 different loans. Our yield robot has 1 EUR as the minimum deposit per investment. Therefore, we recommend to initially deposit at least 200 EUR.

  • Investing in SaveLend happens automatically after you choose a strategy. Check that strategy is enabled on your depot by logging in and navigating to "Strategy" for your selected depot.

  • What investment ratio will you as an investor receive depends on several different factors, but it is usually between 90% and 95%.

    Remember that if you have just created your account or made a larger deposit, it can take a couple of days for your capital to get invested.

    SaveLend's ambition is to have all your capital invested in credits.

  • Your deposited capital is invested when our connected lending companies issue new loans and publish them on our platform. This means that you do not receive investments immediately and it can take a couple of days before all your capital is invested in loans, depending on how much you’ve deposited.

    It is also important to ensure that your strategy is not paused.

  • At SaveLend, all investments are made with the help of our interest robot. Check that your strategy is activated on your depot.

    If you have a Freedom strategy, it may also be that you have a higher investment rate compared to the average, which is why other investors with a lower investment rate will be prioritized until the investment rate evens out.

  • SaveLend's goal is for all investors to have approximately the same proportion of their capital invested in loans. Our ambition is for the majority of each investor's capital to be lent, but here are some common reasons why you may get a lower investment grade:

    * You have just invested new capital, which has therefore not had time to be put to work yet
    * For the Freedom strategy: your settings are too narrow; check that not too many lenders/originators are deactivated or that the "Share [%] of my total capital per investment" is not set too low.

    If you still think your investment ratio is too low, you are welcome to contact customer service and we will help you by taking a closer look at your investments.

  • You can easily and conveniently choose how you want your capital to be invested for the Freedom strategy. By configuring your strategy settings, you can choose to only activate the loan types or loan companies that meet your goals.

    Although, keep in mind that this can affect your overall investment ratio and your total return.

  • On SaveLend's platform, there are many different loan types and lending companies, meaning that there are many different ways in which the loans are repaid. Depending on the terms, the loan could, for example, be repaid in a lump sum on the date of maturity, or in smaller amounts monthly.

    In some cases, a borrower may also have difficulties repaying their loan on the due date. The process in these cases varies depending on the loan and lending company. To summarize, the borrower has one or several opportunities to repay and thereby return to the payment plan. If the borrower is unable to pay, the loan can instead, for example, be sold to a debt collection company.

  • For Swedish individuals, the tax is automatically deducted when receiving interest on an investment. The tax is reported and transferred to the Swedish Tax Agency by current rules and appears on the tax return like with other taxes. The return is taxed as income and is estimated at 30%.

    For investors outside of Sweden, tax is not drawn automatically. You will in these cases need to report the earned interest to your respective tax authority.

  • Our previous return model has been updated on 2022-05-17.

    The previous calculation model for average return was based on actual return in relation to total capital, without weighing maturities or when credits start to return. For this reason, we have chosen to update our calculation model to a version that takes into account volume-weighted delay. By adding this delay, which takes into account the number of days it takes on average before an investment begins to pay off, a result is achieved that also takes into account the growth of capital on the savings platform.

  • With SaveLend, your return is the interest borrowers pay on the loans you invest in. We have three savings strategies for SEK depots that have different target returns.

    Balanced is a savings strategy for you who want to minimize the risk of credit losses and have maximum liquidity in your savings. This strategy has a slightly lower target annual return and suits you who have a shorter savings horizon.

    Yield is the savings strategy for you who aim for a higher return and who understand that this entails slightly higher risk and greater fluctuations in savings.

    With the Freedom strategy, you can choose both the originator and the credit type and decide how much of your total capital can be placed in a single investment and get a higher or lower return depending on the settings.

    Also keep in mind that SaveLend's target return is after credit losses and fees, but before tax.

    It is also important to compare the right things; usually, we communicate the figure "return on invested capital" which, for example, does not take into account uninvested capital because the investment rate depends on strategies.

    Start investing

  • With SaveLend, your return is the interest borrowers pay on the loans you invest in. SaveLend has three different savings strategies for SEK depots that have different target returns: Balanced, Yield and Freedom. Depending on the savings strategy, our yield robot invests capital in different loans.

    A Balanced savings strategy has a slightly lower target annual return but has a shorter savings horizon.

    Yield is the savings strategy that involves a slightly higher risk and greater fluctuations in savings.

    With the Freedom strategy, you can choose originators as well as, for example, loan type and decide what percentage of the total capital can be placed in an individual investment and get a higher or lower return.

  • There are several different scenarios as to why a loan is not repaid by a borrower. In some cases, there is a buyback clause and the investment is repurchased. In other cases, the investment is transferred to a debt collection process.

    The debt collection can in certain instances, unfortunately, be slow and might go through many phases. Therefore, it is difficult to accurately predict how long it will take for a specific loan.

  • A good way to increase your investment rate is to choose a strategy with higher risk and return. The Balanced and Yield savings strategies have automatic settings that you cannot control, but for the Freedom strategy you can choose both the originator and, for example, the type of loan and decide what percentage of the total capital can be placed in a single investment and get a higher or lower return.

  • Different loan types have different terms. If you click on the "Loan types" link under the strategy, you will be able to see which terms the different loan types provide.

  • This setting controls how much of your total capital you want our yield robot to invest in an individual investment.

    If you have 500 EUR in your SaveLend depot and you choose to invest 1% of your capital per investment, you will then invest a maximum of 5 EUR (1% out of 500)  in a single investment for the selected lending company. Remember that this is not a guarantee that this will always be the case as it’s only a maximum limit.

  • Yes, you can. Please send in your KYC for companies here: https://kyc.savelend.se/

    Start investing

  • If you do not want to wait for the loan you have invested in to be repaid before you withdraw your money, you can sell the loan on the secondary market.

    You can find the secondary market under "Holdings". Remember that sales on the secondary market come with a fee, except for special conditions for the Balanced savings strategy. Here, you have the right to sell investments up to a total of SEK 50,000 free of charge after each twelve-month period.

  • The process can, unfortunately, be slow and might go through many phases; therefore, it is very difficult to accurately predict how long it will take.

  • On SaveLend's platform, there are different loan types and lending companies. This means that there are many different ways in which the corresponding investments are repaid. With that being said, it is common for the repayment on a loan to either be repaid in a lump sum on the final due date, or on an ongoing monthly basis.

  • It varies from case to case, depending on the loan type and/or lending company. For example, for consumer loans via the lending company SBL Finance, it is common to only be exposed to one investment per borrower, but for factoring from the same lending company, the same borrowing company can use the service several times. In general, it depends on the underlying securities of each specific loan.

  • Today you can invest in SaveLend's subsidiary Svensk Kreditförmedling's real estate and rental projects on our savings platform. These credits were previously mediated through the originator SKF but will, in the future, be mediated through SBL Finans. This type of financing is now called crowdfunding. To comply with the new EU regulations regarding crowdfunding, SaveLend is obliged to ensure that everyone who participates in these investments has certain knowledge within it. Therefore you need to complete a knowledge test on our platform before you start investing in crowdfunding.  

    When you activate the strategy the test will appear.

    Your previous investments made through the originator SKF will continue as usual as the new EU regulations rules do not apply to previously mediated credits.

  • To comply with the new EU regulations regarding crowdfunding, SaveLend is obliged to ensure that everyone who participates in these investments has certain knowledge in this field. Therefore, you must complete a knowledge test on our platform before starting to invest in crowdfunding. The questions are developed based on the EU's requirements for what information we must receive.

    If you do not complete the test, you will not be able to activate the Balanced or Yield strategies. In this case, you can activate the Freedom strategy without the possibility of investing in real estate and rental projects.

  • You can still choose to go ahead and activate a strategy. SaveLend has an obligation to inform and assist you in assessing the suitability of this type of investment, but the decision to invest is yours.

FAQ about fees

Here are some frequently asked questions and answers about fees on our platform. If you do not find the answer you are looking for, you can always contact our customer service.

 

  • Yes, you can get lowered fees through our bonus system for investors. Currently, you can get a reduced service fee and fee on the secondary market based on how much you have invested or if you are a shareholder in SaveLend Group AB.

    Keep in mind that the bonus level you adhere to is updated monthly as we receive updated information on invested capital and our shareholders. Note that only directly owned shares count towards the bonus levels.

    Our bonus levels

  • It doesn’t cost anything to have an account on SaveLend’s platform. However, we charge a fee of 10% (or less, depending on your bonus level) on all earned interest. To put it simply, we make money when you make money.

  • It doesn’t cost anything to have an account on SaveLend’s platform. However, we charge a fee of 10% on all earned interest. To put it simply, we make money when you make money.

    As for the secondary market, we charge a fee of 5% on sales except for special conditions for the Balanced savings strategy. Here, you have the right to sell investments up to a total of SEK 50,000 free of charge after each twelve-month period.

    Start investing

  • As tax differs between countries we recommend that you contact your local representative, we do not provide advice on tax.

  • This is a title

    Yes, you pay tax on the bonus you receive on our platform.

    Unlike the interest you earn, we do not deduct preliminary tax on the bonus you received, however, we of course report the bonus to the tax authorities so that it is included in your total earned amount on your tax return. Börja investera

FAQ about deposits and withdrawals

Here are some frequently asked questions and answers about deposits and withdrawals on our platform. If you do not find the answer you are looking for, you can always contact our customer service.

 

  • You can easily and conveniently see the instructions on how to transfer capital to your SaveLend account by logging in, navigating to “Transfers” followed by deposits and clicking on “Make a deposit”.

    You can choose between transferring your money directly with the help of our partner Trustly, or by making a regular bank transfer.

  • You can quickly and easily request withdrawals on uninvested capital by logging into your account, navigating to "Transfers" and then "Withdrawals". Click on “Make a withdrawal” then follow the instructions.

    If you want to withdraw capital that is invested, you can sell your investments on the secondary market, which you will find under "Holdings" -> "Investments".

    Remember that sales on the secondary market include a fee except for special conditions for the Balanced savings strategy. Here, you have the right to sell investments up to a total of SEK 50,000 free of charge after each twelve-month period.

  • From the moment you make a transfer from your bank to your SaveLend depot, it takes between 1-3 banking days for the deposit to reach your SaveLend depot.

  • SaveLend has no restrictions on withdrawals. It is always free to withdraw uninvested capital, and you can withdraw as many times as you wish.

  • This is a title

    Save a selected amount that is withdrawn via direct debit every month. You can also have several monthly savings divided into different depots, accounts in which you have your investments. Select:

    What amount do you want to save each month;

    Which day of the month the money should be withdrawn from your bank account;

    Which SaveLend depot do you want to save monthly in.

    Create an account and start saving monthly

  • You can easily cancel your monthly savings by logging in and navigating to "Transfers" -> Deposits, clicking the three-dot menu in the top left of your monthly savings and selecting "Cancel monthly savings".

  • Contact customer service and we will help you.

  • Following applicable laws detailing money laundering and financing terrorism, it is SaveLend's responsibility to ensure that all capital that is transferred from SaveLend is sent to a bank account that has the same owner as the SaveLend account. Therefore, we use Tink to verify that you own your accounts and that only those accounts are used for withdrawals.

  • Unfortunately, no. To be compliant with all applicable laws and regulations, we must verify all bank accounts. At the moment, this means using Tink to verify bank accounts.

FAQ about depots

Here are some frequently asked questions and answers about depots on our platform. If you do not find the answer you are looking for, you can always contact our customer service.

 

  • Firstly, what does “correctly” mean? We all have different possibilities and goals regarding our savings and our investments. Therefore, "correctly set up” depends entirely on your own choice. As long as you have chosen and activated the right strategy for you, have approved all the terms and conditions, completed the KYC (Know Your Customer form), and made your first deposit – then we guarantee that you are on the right track!

     

  • It is currently not possible to remove a depot.

  • Unfortunately, no. It is not possible to transfer a depot to someone else.

FAQ about risks and credit losses

Here are some frequently asked questions and answers about risks and credit losses. If you do not find the answer you are looking for, you can always contact our customer service.

 

  • Investments always involve some level of risk. One risk when investing in loans is, for example, that the borrower of a loan that you invested in, does not have the ability to repay their debt, which in some cases leads to a credit loss.

    Remember that each loan type on our platform has an associated target interest rate that shows the expected return after credit losses and fees. Additionally, we work actively to reduce each investor's total exposure to loans that are not repaid by constantly developing our yield robot. This way, the capital invested is spread over several different loan types, thereby reducing each investor's share of the credit loss from a single loan.

    Read more about the risks involved in investing on our risk page.

  • Use the guide below to declare your credit losses:
    1. Log in to the platform, click on "My Account" at the top right followed by "Reports"
    2. Select "Annual Report 2022" in the list and then click on "Export".
    3. The amount you see on the line marked “Credit losses” paste it into your tax return on form K4, section D (under the heading: "Sale of securities - Other securities, commodities, other assets (capital investments, etc.))

    As tax differs between countries we recommend that you contact your local representative, we do not provide advice on tax.

  • All investing comes with some form of risk. Read more about security and risks associated with investments in general and SaveLend in particular on our page "Security and risks".

    Security and risks

  • If, against all odds, SaveLend goes bankrupt, there are several safety measures for you as an investor, including:

    SaveLend has permission via the Financial Supervisory Authority and it follows that it is the Financial Supervisory Authority that exercises supervision that SaveLend complies with the applicable rules and regulations. This takes place, among other things, through continuous reporting.

    SaveLend has an independent internal auditor who ensures that the company has implemented routines and processes to ensure that we comply with applicable regulations.

    SaveLend has a risk framework where the company's risks are managed and monitored continuously. This means that the risks would be flagged in good time before circumstances that could lead to bankruptcy could arise, and that measures to prevent this could be taken immediately.

    SaveLend has an independent Risk function that reviews and follows up on the company's risk framework.

    SaveLend has an authorized auditor who reviews the financial reports and follow-ups, to be able to take measures in good time if necessary.

    You as an investor own the right of claim in the invested credit, not SaveLend. This means that you have the opportunity to get your investments back from the lender directly.

    Read more about various securities and risks linked to investments in general and SaveLend in general on our page, "Security and risks".

    Security and risks

  • If you use strategy, the risk of losing all your capital is almost non-existent.

    Read more about security and risks associated with investments in general and with SaveLend on our page, "Security and risks".

    Security and risks

  • We have improved the options for you who invest in consumer credits by dividing SBL Finans Consumer loans into two parts. One credit type to maximize your return and one to protect you against credit losses. SBL Finans Consumer loans 80% has an interest rate of 15% and a buy-back agreement for overdue credits of 80% of the nominal amount. This creates an investment opportunity with high returns at a slightly higher risk. 

    SBL Finans Consumer loans 100% has an interest rate of 8.5% and a buy-back agreement that gives you the right to sell overdue credits at 100% of their nominal value. Through this credit type, we create an investment opportunity for those who want to ensure not to suffer from credit losses.

    You can choose to invest in the repurchased credits again through the credit intermediary Billecta debt collection; after the due loans have been added to a portfolio and valued according to a model that takes future cash flow into account.

    Bundling many loans in one portfolio makes it more likely to reach the expected return on investment as overdue consumer loans can take a very long time to collect, and some never are paid.

    This handling contributes to further diversification. SaveLend believes that this is the most transparent and clear approach to giving a correct view of credit losses.

    Investing in loans is always compatible with the risk of credit losses. Previously, credit losses were presented first after debt collection, which led to the misunderstanding that credit losses did not exist.

    With the new way, capital is released to be reinvested and continues to generate returns instead of being locked over a long period. Worth remembering in regard to this is that credit losses are deductible on the tax return.

    It is also important to point out that SaveLend does not receive any income from repurchasing these loans.

FAQ about the secondary market

Here are some frequently asked questions and answers about our secondary market. If you do not find the answer you are looking for, you can always contact our customer service.

 

  • Once logged in to your account, navigate to "Holdings" -> "Loans". Use the filter to only show the investments you want to sell and mark these using the checkboxes. Click "Sell selected investments" on the screen and follow the instructions.

    Keep in mind that sales on the secondary market include a 5% fee and that your investments are not sold directly; it may take a day or two for your investment to be bought by other investors.

    For the Balanced strategy, you also have the right to sell investments free of charge up to a total of SEK 50,000 after each twelve-month period.

  • You can easily buy other people's investments on the secondary market if you use the Freedom strategy by checking the setting called "Invest in secondary market" for each type of credit you are interested in.

  • No. It is currently not possible to sell any loans that do not perform as intended, meaning the quality of investments you buy on the secondary market is comparable to new loans via strategy.

Other questions

Here are some other questions and answers. If you do not find the answer you are looking for, you can always contact our customer service.

 

  • If you have non-invested money in your SaveLend account, you can notify customer service that you want to close your account. If you have active investments, you must either sell them on the secondary market, which includes a fee or wait for the investments to be repaid before the account can be closed.

  • Buyback (forward flow) is a process in which a loan that has turned bad (the borrower is unable to repay it) is sold to a debt collection company. As an investor, you will be repaid the full amount or parts of the amount you originally invested. This way your capital can be reinvested directly in new loans, instead of having to wait for a long debt collection process.

  • In strategy, under each loan type, you can easily and conveniently see which lending company has the resale agreement/buyback.

Vanliga frågor och svar

Här har vi samlat vanliga frågor och svar. Om du inte hittar svaret du letar efter kan du självklart kontakta vår kundtjänst.

  • Hos SaveLend sker alla investeringar med hjälp av vår automatiserade investeringsmotor SmartInvest. Kontrollera att SmartInvest är aktiverat på din depå genom att logga in och navigera till "Investera" för din valda depå.

  • Om du inte har satt in pengar på ditt SaveLend-konto kan du meddela kundjänst att du vill avsluta ditt konto. Om du har aktiva investeringar måste du antingen sälja dessa eller invänta betalning innnan kontot kan avslutas.

  • På SaveLends plattform finns det många olika kredittyper och långivare/originatorer. Detta innebär att det finns många olika sätt som lånen återbetalas på, exempelvis i form av en klumpsumma vid förfallodatum eller löpande månadsvis.

    I vissa fall kan också en låntagare för en kredit ha betalningssvårigheter, vilket leder till att denne inte kunnat betala en planerad återbetalning. Även i dessa fall ser processen olika ut beroende av kredittyp och långivare/originator, men sammanfattningsvis kan låntagaren få en/flera betalningstillfällen på sig att komma tillbaka till betalplanen, eller så kan lånet exempelvis säljas vidare till inkassoföretag med mera.

  • Du kan snabbt och enkelt begära uttag på oinvesterade pengar genom att logga in i gränssnittet, navigera till "Överföringar" och sedan "Uttag". Följ därefter instruktionerna.

    Om du vill ta ut pengar som är investerade i krediter måste du först frigöra pengar motsvarande beloppet du vill ta ut genom att sälja investeringar på Andrahandsmarknaden, som du hittar under "Mitt innehav". Kom ihåg att försäljning på andrahandsmarknaden medför en avgift.

  • Mot bakgrund av lagen om penningvätt är det SaveLends ansvar att säkerställa att alla pengar som överförs från SaveLend skickas till ett bankkonto med samma ägare som SaveLend-konto. För att möjliggöra detta använder vi Tink för att verifiera att endast konton som du själv äger kan användas för uttag.

  • Nej, mot bakgrund av lagen om penningtvätt måste vi verifiera alla bankkonton. I dagsläget kan vi endast göra detta med hjälp av Tink.

  • För dig som är privatinvesterare dras din skatt automatiskt i samband med att du får ränta för en investering. Skatten rapporteras och överförs till Skatteverket i enlighet med gällande regler och syns på din deklaration precis som vanligt. Avkastningen beskattas som inkomst av kaptal med 30 %

  • Använd nedan guide för att deklarera dina kreditförluster:
    1. Klicka här för att se ditt årsbesked för 2020
    2. Kopiera beloppet för kreditförluster
    3. Klistra in det i din skattedeklaration på blankett K4, avsnitt D*

    * Blankett K4, avsnitt D går under rubriken: "Försäljning av värdepapper - Övriga värdepapper, råvaror, övriga tillgångar (kapitalplaceringar) m.m."

    På webben eller pappersblankett?
    Nedan följer ett exempel där kreditförlusten är 1 690 kronor och hur den fylls i på webben alternativt på pappersblanketten.

    Exempel: Webben

    Exempel: Pappersblankett

  • Vad är rätt? Vi har alla olika förutsättningar och mål med vårt sparande; så vad som är "rätt inställt" beror helt på din egna investeringsstrategi. Så länge som du har godkänt alla villkor, fyllt i din kundkännedomsblankett, aktiverat SmartInvest samt gjort en första insättning är du garanterat på väg åt rätt håll!

  • Savelend har som målsättning att alla investerare ska ha ungefär lika stor andel av sitt kapital investerat i krediter vid varje tillfälle. Viktigt att nämna är dock att Savelends målavkastning om 7 - 9 procent gäller för allt kapital placerat hos oss, inte endast på det som är utlånat.

    Med det sagt, vanliga orsaker till att man kan ligga under genomsnittet är att:

    * Du precis satt in nytt kapital, som därför inte hunnits sättas i arbete ännu
    * Dina SmartInvest-inställningar är för snäva; kontrollera att inte för många långivare/originators är deaktiverade eller att "andelen av mitt kapital per investering" är inställd för lågt.

    Om du fortfarande upplever att du har för låg investeringsgrad är du välkommen att kontakta vår support så hjälper vi dig kolla närmare på det.

  • Alla typer av investeringar medför en risk - risken när man investerar i krediter är exempelvis att låntagaren till en kredit man investerat i inte har möjlighet att återbetala sin skuld, vilket i sin tur kan medföra en kreditförlust.

    Notera att varje kredittyp på vår plattform har en tillhörande målränta som visar förväntad avkastning efter kreditförluster och avgifter. Vi jobbar aktivt för att minska varje investerares totala exponering mot krediter som förfaller genom att ständigt vidareutveckla våra SmartInvest-algoritmer så att dina pengar sprids ut i många olika krediter och på så sätt minska respektive investerares del av kreditförlusten.

    Läs mer om vilka risker det finns med att investera på vår risksida. <- länk till "säkerhet och risker"

  • Kontakta kundtjänst så hjälper vi dig.

  • På SaveLends plattform får du avkastning i form av ränta på de krediter du investerar i. Vi använder oss av SmartInvest för att säkerställa en bra spridning av investeringsmöjligheter mellan våra investerare, men ibland finns det utstickare som exempelvis får högre eller lägre avkastning än plattformens genomsnitt. Tänk också på att Savelends målränta är efter kreditförluster och avgifter, men innan skatt.

    Det är även viktigt att jämföra rätt saker; vanligtvis kommunicerar vi siffran "avkastning på investerat kapital" som exempelvis inte tar inte i åtanke oinvesterat kapital eftersom investeringsgraden är beroende av varje investerares individuella Smartinvest-inställningar.

  • Väl inloggad navigerar du till "Innehav" -> "Krediter". Väl där, filtrera fram de investeringar du vill sälja och märk dessa med hjälp av checkboxen. Därefter trycker du på "Sälj valda investeringar" på skärmen och följer instruktionerna.

    Tänk på att försäljning på andrahandsmarknaden innefattar en avgift om 5 % och att dina investeringar inte säljs direkt; det kan ta en dag eller två för dina investeringar att köpas av andra investerare.

  • Du kan enkelt och smidigt köpa andras investeringar på andrahandsmarknaden genom att bocka för inställningen som heter "Andrahandsmarknaden" för varje kredittyp du är intresserad av i SmartInvest.

  • Det är i dagsläget inte möjligt att sälja några lån som inte löper på normalt, alltså är kvaliteten på investeringar du köper på andrahandsmarknaden jämförbar med nya krediter via SmartInvest.

  • På SaveLends plattform får du avkastning i form av ränta på de krediter du investerar i. Vi använder oss av SmartInvest för att säkerställa en bra spridning av investeringsmöjligheter mellan våra investerare, men ibland finns det utstickare som exempelvis får högre eller lägre avkastning än plattformens genomsnitt.

  • Om SaveLend mot all förmodan skulle gå i konkurs finns flertalet säkerhetsåtgärder för dig som investerare, bland annat:

    • SaveLend har tillstånd via Finansinspektionen och med det följer att det är Finansinspektionen som utövar tillsynen att SaveLend följer tillämpliga regelverk och förordningar. Detta sker bland annat genom kontinuerliga rapporteringar.
    • SaveLend har en oberoende intern revisor som säkerställer att bolaget har implementerat rutiner och processer för att säkerställa att vi följer tillämpliga regelverk.
    • SaveLend har ett riskramverk där bolagets risker hanteras och bevakas kontinuerligt. Det innebär att riskerna skulle flaggas i god tid innan för det fall omständigheter som kan leda till en konkurs skulle kunna uppstå och att åtgärder för att förhindra detta omgående kan vidtas.
    • SaveLend har en oberoende Riskfunktion som granskar och följer upp bolagets riskramverk.
    • SaveLend har en auktoriserad revisor som granskar de finansiella rapporterna och uppföljningarna, för att i god tid kunna vidta åtgärder vid behov.
    • Du som investerare äger fordringsrätten i den investerade krediten, inte SaveLend. Det innebär att du har möjlighet att få tillbaka dina investeringar från originatorn direkt.

    Läs mer om olika säkerheter och risker knutna till investeringar generellt och SaveLend överlag på vår sida, "Säkerhet och risker".

    Säkerhet och risker

  • För kapital som ej är investerat och som ligger på SaveLends klientmedelskonto gäller insättningsgaranti. För kapital som är utlånat och investerat i krediter är insättningsgaranti ej applicerbart.

  • Läs om olika säkerheter och risker knutna till investeringar generellt och SaveLend överlag på vår sida, "Säkerhet och risker".

    Säkerhet och risker

  • Om du använder SmartInvest och våra rekommenderade inställningar är risken för att du förlorar alla dina pengar nästintill obefintlig.

    Läs om olika säkerheter och risker knutna till investeringar generellt och SaveLend överlag på vår sida, "Säkerhet och risker".

    Säkerhet och risker

  • Du kan enkelt avsluta ditt månadssparande genom att logga in och navigera till "Överföringar" -> Insättningar, expandera ditt månadsspar och välja "Avsluta månadsspar".

  • Hos SaveLend sker alla investeringar med hjälp av vår automatiserade investeringsmotor SmartInvest. Kontrollera att SmartInvest är aktiverat på din depå.

    Det kan också vara så att du har en högre investeringsgrad jämfört med genomsnittet, varför andra investerare med lägre investeringsgrad kommer prioriteras tills att investeringsgraden jämnat ut sig.

  • SaveLend har inga begränsningar på uttag, varken till antal eller hur många som är fria.

  • Det kostar inget att ha ett konto hos Savelend, däremot tar vi en avgift om 10 % på all intjänad ränta - vi tjänar alltså pengar när du tjänar pengar.

  • Det kostar inget att ha ett konto hos Savelend, däremot tar vi en avgift om 10 % på all intjänad ränta - vi tjänar alltså pengar när du tjänar pengar.

    När det gäller Andrahandsmarknaden tar vi ut en avgift om 5 % vid försäljning.

  • Nej, det är inte möjligt att överlåta en depå till någon annan.

  • Från det att du genomför en överföring från din bank till din SaveLend-depå tar mellan 1-3 bankdagar för pengarna att komma fram.

  • Investeringar sker i kombination med att våra långivare ger ut lån. Detta innebär att du inte får investeringar direkt och det kan ta ett par dagar innan allt ditt kapital är investerat i krediter.

    Det är också viktigt att säkerställa att du har SmartInvest aktiverat samt att dess inställningar inte är för snäva.

  • Investeringar hos SaveLend kan inte investeras via ett ISK-konto. Intjänad ränta beskattas som inkomst av kapital med 30 %.

  • Utifrån Skatteverkets beslut är serviceavgiften ej avdragsgill och skall beskattas. Vi följer utvecklingen och hoppas att Skatteveket kommer fram till en annan slutsats i framtiden.

  • När en investering inte betalas kan det bero på ett antal olika scenarion. I vissa fall finns en buyback-klausul och investeringen återköps, i andra fall övergår investeringen till kravhantering.

    Processen för hur kravhanteringen går till kan tyvärr vara långdragen och genomgå många instanser; det är därför väldigt svårt att besvara hur lång tid det kommer att ta.

  • Processen för hur kravhateringen går till kan tyvärr vara långdragen och genomgå många instanser; det är därför väldigt svårt att besvara hur lång tid det kommer att ta.

  • Bra sätt att höja din investeringsratio på är att:
    • Säkerställa att alla orginators är aktiverade i Smartinvest
    • Öka "Andelen av mitt kapital per investering" för varje originator i SmartInvest
    • Aktivera "Andrahandsmarknaden" för varje originator i SmartInvest

  • Du kan enkelt och smidigt välja hur du vill att ditt kapital ska investeras genom att konfigurera dina SmartInvest-inställningar. Välj då att endast aktivera den kredittyp eller originator som möter din investeringsstrategi.

    Tänk dock på att detta kan påverka din totala investeringsgrad och därmed din totalavkastning.

  • Olika kredittyper har olika löptider. Under SmartInvest kommer du kunna se vilka löptider som de olika kredittyperna tillhandahåller.

  • Om du inte vill invänta investeringens löptid för att få tillbaka kapitalet som är uppbundet i krediten kan du sälja denne på Andrahandsmarknaden.

    Du hittar andrahandsmarknaden under "Mitt innehav". Kom ihåg att försäljning på andrahandsmarknaden medför en avgift.

  • På SaveLends plattform finns det många olika kredittyper och långivare/originatorer. Detta innebär också att det finns många olika sätt som krediterna återbetalas på, men vanligt förekommande är att återbetalningen på en kredit antingen sker i form av en klumpsumma vid förfallodatum eller löpande månadsvis.

  • Vi rekommenderar att man i genomsnitt sprider ut sitt kapital i minst 100-200 olika krediter. Eftersom SmartInvest, vår automatiserade investeringsmotor, har 10 kronor som minsta insättning per investering är vår rekommendation således att man inledningsvis sätter in minst 2 000 kr.

  • Denna slidern kontrollerar hur mycket av ditt totala kapital som du maximalt vill att SmartInvest placerar i en enskild investering.

    Om du har 5 000 kr på din Savelend-depå och du väljer 1 % kommer du då som maximalt investera 50 kr i en enskild investering för den valda originatorn. Notera att det alltså inte är en garanti för att så alltid kommer vara fallet, utan endast en maxgräns.

  • Ja, skicka in din KYC för företag här: https://kyc.savelend.se/

  • Det är i dagsläget inte möjligt att ta bort en depå.

  • Buyback är en process där en kredit som förfallit (låntagaren ej har möjlighet att betala) säljs till ett inkasso-företag. Du som investerare får då tillbaka hela eller delar av din ursprungliga investering som då kan återinvesteras direkt i nya krediter, istället för att behöva invänta en lång inkasso-proscess.

  • Du kan enkelt och smidigt se vilka originators som omfattas av vidareförsäljningsavtal/buyback i SmartInvest, under varje respektive kredittyp.

  • Huruvida du exponeras mot samma låntagare i flera olika krediter varierar beroende av kredittyp och/eller originator. Exempelvis för konsumentkrediter via originatorn SBL Finans är standard att du endast är delägare i en investering per låntagare, men för fakturaköp från samma originator kan samma företag använda tjänsten flera gånger. På det stora hela beror det på den underliggande säkerheten för krediten ifråga och varierar således från fall till fall.
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