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What are the loan underwriting costs?

For Bondora, the average cost of underwriting a loan is €85.82, which can be broken down as follows: salary (38%), external data (26%) and processing technology (35%). Over time, salary costs are expected to fall while external data costs are expected to rise as more manual activities are automated, replaced by external data sources and technology. Per-loan underwriting costs are expected to fall as volume grows because technology costs are largely fixed.

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* Capital at risk. Investments made with Bondora are not guaranteed, nor is the preservation of value invested guaranteed. Please note that the yield achieved in past periods does not guarantee the rate of return in future periods. The yield of the Go & Grow Unlimited tier is up to 4% p.a. The yield for Go & Grow is up to 6.75% p.a. Before deciding to invest, please review our risk statement and consult with a financial advisor if necessary.