The increase in charges also brought more fees
Interest rose 54.64 € compared to March and fees increased 3.03 €, up to 4.54 €. Looking at both differences explains better the income of the month than staying alone with the growth of interest. It does not prove that the portfolio will yield more for each euro invested.
The 0.49 € interest on late payments credit a payment during April. They do not say how many loans were still delayed at the end of the month. That distinction matters: a timely recovery can improve the revenues without resolving the whole situation of the outstanding amounts. The evolution of the delays needs the positions of those dates.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 0.00 € |
| Withdrawals to the bank | 0.00 € |
| Interest received | 173.55 € |
| fees shown | 4.54 € |
| Tax withholdings | 8.65 € |
| Interest after shown costs | 160.36 € |
| Principal repaid | 3,167.66 € |
| Opening cash | 100.57 € |
| Closing cash | 31.09 € |
Interest less fees and withholdings is not the portfolio’s total return. The definitions and their limits are set out in how I read the results.
View all statement categories
| Mint Category | Amount |
|---|---|
| Investment | -3,249.87 € |
| Capital received | 993.19 € |
| Interest received | 152.79 € |
| Committees in arrears received | 0.01 € |
| Secondary Market Operation | -147.65 € |
| Income from principal received from the repurchase of the loan | 2,174.47 € |
| Income from interest received on the repurchase of the loan | 20.27 € |
| Interest income from late payments | 0.49 € |
| withholding of taxes | -8.65 € |
| Commission by loan portfolios | -4.54 € |
The period and sources
Mintos transaction statement, from 2025-04-01 to 2025-04-30, reviewed on . The period covers a full calendar month. This is a retrospective record of my account, written from the statement.
Categories are rounded separately, so their sum may show a small difference. The shared method is set out in sources and methodology.