The fall of May is in the payments, not in a commission rise
Fees also dropped € 0.18, so the revenue reduction is not explained by an increase in that category. After the costs shown were € 195.77, compared to € 260.25 the previous month.
The 0.07 € interest on late payments were a small part of the payments. Its amount does not allow to measure the capital that remained in arrears. To investigate the fall you would have to review the payment schedule, the maturity and the delays of the positions; the monthly total shows the change, but does not prove its cause.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 0.00 € |
| Withdrawals to the bank | 135.00 € |
| Interest received | 216.43 € |
| fees shown | 9.84 € |
| Tax withholdings | 10.82 € |
| Interest after shown costs | 195.77 € |
| Principal repaid | 2,846.71 € |
| Opening cash | 160.12 € |
| Closing cash | 148.09 € |
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 | -2,699.98 € |
| Capital received | 1,054.61 € |
| Interest received | 196.78 € |
| Committees in arrears received | 0.01 € |
| Secondary Market Operation | -219.55 € |
| Withdrawal | -135.00 € |
| Income from principal received from the repurchase of the loan | 1,792.10 € |
| Income from interest received on the repurchase of the loan | 19.58 € |
| Interest income from late payments | 0.07 € |
| withholding of taxes | -10.82 € |
| Commission by loan portfolios | -9.84 € |
The period and sources
Mintos transaction statement, from 2026-05-01 to 2026-05-31, 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.