The capital that returns can be much greater than the income
Among that principal there are 6,217.63 € repurchases. The volume of money circulating through the cash is therefore much higher than the revenue collected; adding it as profit would inflate the result.
The interest on repurchases was 44.03 € and the interest on late payments was 9.79 €. It is useful to look at those sources alongside the ordinary interest to understand the payments. The return on capital allows to follow new investments or withdrawals, but valuing the portfolio at closing still requires its positions and the funds that remained outstanding.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 0.00 € |
| Withdrawals to the bank | 0.00 € |
| Interest received | 293.43 € |
| fees shown | 9.43 € |
| Tax withholdings | 14.18 € |
| Interest after shown costs | 269.82 € |
| Principal repaid | 8,112.04 € |
| Opening cash | 189.04 € |
| Closing cash | 44.53 € |
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 | -8,380.20 € |
| Capital received | 1,894.41 € |
| Interest received | 239.61 € |
| Committees in arrears received | 0.01 € |
| Secondary Market Operation | -146.18 € |
| Income from principal received from the repurchase of the loan | 6,217.63 € |
| Income from interest received on the repurchase of the loan | 44.03 € |
| Interest income from late payments | 9.79 € |
| withholding of taxes | -14.18 € |
| Commission by loan portfolios | -9.43 € |
The period and sources
Mintos transaction statement, from 2025-11-01 to 2025-11-30, 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.