{"id":464535,"date":"2026-07-13T00:32:56","date_gmt":"2026-07-12T21:32:56","guid":{"rendered":"https:\/\/goandgrow.eu\/?p=464535"},"modified":"2026-07-22T12:22:35","modified_gmt":"2026-07-22T09:22:35","slug":"bondora-laenuportfelli-statistika-2026-labipaistvusaruanne","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/et\/blog\/bondora-laenuportfelli-statistika-2026-labipaistvusaruanne\/","title":{"rendered":"Bondora laenuportfelli statistika 2026: l\u00e4bipaistvusaruanne"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">L\u00e4bipaistvus on Go &amp; Grow\u2019 oluline osa. Kuigi Go &amp; Grow ise laene ei v\u00e4ljasta, on see seotud Bondora Groupi alusvaraks oleva laenuportfelli tulemustega. Seet\u00f5ttu on portfelli peamised statistilised n\u00e4itajad, sealhulgas Bondora Groupi laenude tootlus, makseh\u00e4ired, laekumised, portfelli kvaliteet ja riskin\u00e4itajad, olused, kuna need aitavad m\u00f5ista, millised tegurid tootlust m\u00f5jutavad. Selles aruandes koondatakse k\u00f5ige olulisemad andmed \u00fchte kohta. Vaatame neid arve n\u00fc\u00fcd l\u00e4hemalt.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Blog-Bondora-Loan-Portfolio-Statistics-2026-EE-1024x536.png\" alt=\"Bondora Loan Portfolio Statistics 2026 - EE\" class=\"wp-image-464225\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Blog-Bondora-Loan-Portfolio-Statistics-2026-EE-1024x536.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Blog-Bondora-Loan-Portfolio-Statistics-2026-EE-300x157.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Blog-Bondora-Loan-Portfolio-Statistics-2026-EE-768x402.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Blog-Bondora-Loan-Portfolio-Statistics-2026-EE.png 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>Laenuportfelli kvaliteet ja koosseis<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tugev ja h\u00e4sti hajutatud portfell aitab toetada stabiilsemaid tulemusi, v\u00e4hendada kontsentratsiooniriski ning luua aja jooksul tugevama aluse kestlikule tootlusele.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bondora juhib laenuportfelli nii vastutustundlike laenuotsuste tegemisega laenude v\u00e4ljastamisel kui ka portfelli pideva seirega p\u00e4rast laenude v\u00e4ljastamist. See h\u00f5lmab portfelli koosseisu, tagasimaksek\u00e4itumise ja turgude toimimise j\u00e4lgimist aja jooksul.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aktiivne portfell on p\u00fcsinud j\u00e4rjepidevalt stabiilne: <strong>peaaegu 80% laenudest on k\u00f5igil perioodidel j\u00e4\u00e4nud aktiivseks<\/strong>. Viivislaenude osakaal makset\u00e4htaja \u00fcletanud p\u00e4evade l\u00f5ikes on n\u00e4idanud vaid v\u00e4ikeseid k\u00f5ikumisi, mis viitab portfelli stabiilsusele vaadeldud perioodil.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"942\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-2-1024x942.png\" alt=\"\" class=\"wp-image-467082\" style=\"width:706px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-2-1024x942.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-2-300x276.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-2-768x707.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-2-1536x1414.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><em>(Viimati uuendatud: juuni 2026; uuendatakse kord kvartalis)<\/em><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Enamik Bondora v\u00e4ljastatud laenudest kuulub madala riskitasemega kategooriatesse. See n\u00e4itab ettevaatlikku riskijuhtimist: AA\u2013C riskikategooria laenude osakaal kasvab k\u00f5igil turgudel.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-10-1024x768.png\" alt=\"\" class=\"wp-image-467038\" style=\"width:726px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-10-1024x768.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-10-300x225.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-10-768x576.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><em>(Viimati uuendatud: juuni 2026; uuendatakse kord aastas)<\/em><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Pikem laenuperiood v\u00f5ib muuta kuumakse klientide jaoks taskukohasemaks, kui seda hinnatakse vastutustundlikult. Bondora jaoks on laenut\u00e4htaja kohta tehtavad otsused osa laiemast krediidiriski hindamisest ning neid tasakaalustatakse maksev\u00f5ime, oodatava tagasimaksek\u00e4itumise ja pikaajalise portfelli tulemuslikkusega.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Eeldatav tootlus: sisemise tulum\u00e4\u00e4ra m\u00f5istmine<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Eeldatav sisemine tasuvusm\u00e4\u00e4r (IRR) on n\u00e4itaja, mida kasutatakse laenuportfelli prognoositava tulupotentsiaali hindamiseks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">IRR-i prognoos p\u00f5hineb ajalooliste tulemusandmete ja aktiivsete laenude praeguse k\u00e4itumise kombinatsioonil. See toimib j\u00e4rgmiselt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Varem v\u00e4ljastatud laenude IRR-i anal\u00fc\u00fcsitakse.<\/li>\n\n\n\n<li>Praegust laenude tulemuslikkust j\u00e4lgitakse t\u00e4helepanelikult, eriti selliseid p\u00f5hin\u00e4itajaid nagu makseviivituse m\u00e4\u00e4rad laenuperioodi eri etappides.<\/li>\n\n\n\n<li>Nende andmete p\u00f5hjal prognoositakse praeguse laenuportfelli eeldatavat tulemuslikkust ja arvutatakse IRR.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">On oluline, et prognoositavas IRR-is v\u00f5etakse arvesse nii eeldatavaid makseviivitusi kui ka laekumisi. Eeldatavaid makseviivitusi k\u00e4sitletakse kahjumina ja eeldatavad laekumised lisatakse tagasi tuluna. Nii saadakse laenuportfelli prognoositava netotulu hinnang.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u00e4rast eeldatavate makseviivituste ja laekumiste arvesse v\u00f5tmist on prognoositav IRR p\u00fcsinud k\u00f5rgemal <strong>Go &amp; Grow sihttulususest, mis on viimastel aastatel<\/strong> olnud kuni 6%* aastas.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"936\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-2-1024x936.png\" alt=\"Transparency-report_table-EE (2)\" class=\"wp-image-464293\" style=\"width:534px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-2-1024x936.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-2-300x274.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-2-768x702.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-2.png 1449w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><em>* Prognoos p\u00f5hineb praegusel laenude seisul ja aasta m\u00f6\u00f6dunud osa hinnangulistel andmetel. (Viimati uuendatud: juuni 2026; uuendatakse kord aastas)<\/em><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">See vahe on j\u00e4rjepidevalt kasvanud, peegeldades krediidiriski kontrolli paranemist ja portfelli \u00fcldist tugevust. Need tegurid aitavad toetada Go &amp; Grow pikaajalise tulususe mudelit, samas kui likviidsuse juhtimine j\u00e4\u00e4b eraldiseisvaks ja oluliseks osaks tavap\u00e4rastes turutingimustes peaaegu kohese ligip\u00e4\u00e4su v\u00f5imaldamises*.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Makseviivitused lahti seletatult: mis need on ja kuidas neid m\u00f5\u00f5detakse<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Laenutegevuses on makseviivitused laenu eluts\u00fckli tavap\u00e4rane osa.. K\u00f5ige olulisem on see, kuidas neid m\u00f5\u00f5detakse ja juhitakse ning kuidas v\u00f5lgu sisse n\u00f5utakse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Laen loetakse <strong>viivislaenuks, kui maksed on \u00fcle 90 p\u00e4eva viivises<\/strong> ja kliendileping on v\u00f5lgnevuse t\u00f5ttu l\u00f5petatud. Makseviivitus ei t\u00e4henda tingimata, et kogu summa on kaotatud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bondora hakkab tagasimakseprobleeme j\u00e4lgima ja nendega tegelema juba enne makseviivituse tekkimist, kui ilmnevad esimesed m\u00e4rgid makseraskustest. Makseviivitus t\u00e4histab hetke, mil laen liigub struktureeritumasse v\u00f5lamenetlusprotsessi, mille eesm\u00e4rk on tasumata summast v\u00f5imalikult suur osa tagasi saada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tagasin\u00f5udmise tulemused erinevad riigiti ning m\u00f5nel turul suudab Bondora tagasi saada kuni <strong>70% makseviivituses olevast summast<\/strong>. Seet\u00f5ttu tuleks makseviivitusi alati vaadata koos tagasi saadud summadega, mitte eraldi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Samal ajal on Bondora eesm\u00e4rk kohelda iga laenuklienti kogu sissen\u00f5udmisprotsessi jooksul lugupidavalt ja \u00f5iglaselt. Rahalisi raskusi v\u00f5ib ette tulla ning Bondora sissen\u00f5udmisstrateegia p\u00f5hineb \u00f5iglasel, n\u00f5uetele vastaval ja vastutustundlikul v\u00f5lahaldusel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Makseviivituste v\u00f5imaliku m\u00f5ju paremaks m\u00f5istmiseks anal\u00fc\u00fcsib Bondora ka makseviivitusest tingitud kahjum\u00e4\u00e4ra (Loss Given Default ehk LGD), mis n\u00e4itab p\u00e4rast eeldatavaid laekumisi j\u00e4relej\u00e4\u00e4vat kahju. See aitab hinnata portfelli pikaajalist \u201etervist\u201c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>PD12: oluline riskin\u00e4itaja<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Teine oluline n\u00e4itaja, mida Bondora oma portfellianal\u00fc\u00fcsis kasutab, on PD12 (makseviivituse t\u00f5en\u00e4osus), mis m\u00f5\u00f5dab 12 kuu jooksul p\u00e4rast v\u00e4ljastamist makseviivitusse sattunud laenude osakaalu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PD12 aitab j\u00e4lgida, kuidas iga laenukohort esimesel aastal toimib, ning on \u00fcks peamisi sisendeid prognoositava IRR-i arvutamisel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bondora PD12 tulemused on j\u00e4rjepidevalt paranenud, mis n\u00e4itab tugevamaid riskimudeleid, t\u00e4psemat laenuv\u00f5tja hindamist ja j\u00e4tkuvaid edusamme krediidiriski kontrollis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Koos heade sissen\u00f5udmistulemuste, tasakaalustatud riskivalmiduse ja eespool kirjeldatud tugeva IRR-i vahega annab see selge pildi pikaajalisest portfelli tulemuslikkusest ning krediidiriski kontrolli j\u00e4tkuvast paranemisest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Turup\u00f5hised tulemused ja suundumused<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bondora portfell on arenenud t\u00e4nu selle pidevale t\u00e4iustamisele. Aja jooksul on tugevamad s\u00fcsteemid, t\u00e4psemad riskimudelid ja struktureeritud krediidiriski juhtimine aidanud parandada viimaste kohortide tulemusi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Allpool on \u00fclevaade valitud arengutest Bondora peamistel turgudel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e4rkus: 2025. aasta III kvartali statistika muutub k\u00e4ttesaadavaks p\u00e4rast 2026. aasta III kvartalit, kui PD12 m\u00f5\u00f5tmiseks vajalik 12-kuuline vaatlusperiood on m\u00f6\u00f6dunud.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udde9\ud83c\uddf0Taani<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2025: nagu iga varajases etapis turu puhul, v\u00f5ivad tulemused olla k\u00f5ikuvamad, kuni klientide hankimise, hinnastamise ja skooringumudeleid optimeeritakse.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"412\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-4-1024x412.png\" alt=\"Transparency-report_table\" class=\"wp-image-464337\" style=\"width:668px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-4-1024x412.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-4-300x121.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-4-768x309.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-4-1536x618.png 1536w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-4.png 1905w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<strong>\ud83c\uddea\ud83c\uddeaEesti<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2023. aasta II kvartal: tulemuslikkuse optimeerimine aitas saavutada Eestis seni tugevaima vahe intressim\u00e4\u00e4rade ja PD12 vahel.<\/li>\n\n\n\n<li>\u00dche Bondora k\u00f5ige v\u00e4ljakujunuma turuna on Eestil pikem tulemuste ajalugu. Selle peamised krediidiriski n\u00e4itajad, sealhulgas PD12 ning intressim\u00e4\u00e4rade ja makseviivituste m\u00e4\u00e4rade vahe, on varasemate aastatega v\u00f5rreldes paranenud.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-3-1024x575.png\" alt=\"Transparency-report_table\" class=\"wp-image-464315\" style=\"aspect-ratio:1.7808990625103522;width:664px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-3-1024x575.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-3-300x169.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-3-768x431.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-3-1536x863.png 1536w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-3.png 1905w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\ud83c\uddeb\ud83c\uddeeSoome<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2023. aasta I kvartal: tegevuse laiendamise ajal tulemused ajutiselt n\u00f5rgenesid.<\/li>\n\n\n\n<li>2023. aasta III kvartal kuni 2024. aasta I kvartal: m\u00e4rkimisv\u00e4\u00e4rne paranemine, kui PD12 langes 14%-lt 8,3%-le, mille tulemuseks oli tugevaim vahe alates turule sisenemisest.<\/li>\n\n\n\n<li>Soome moodustab n\u00fc\u00fcd pidevalt umbes 60% Bondora koguportfellist, mist\u00f5ttu on need edusammud portfelli \u00fcldise tulemuslikkuse jaoks eriti olulised.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-5-1024x575.png\" alt=\"Transparency-report_table-EE \" class=\"wp-image-464359\" style=\"aspect-ratio:1.7808990625103522;width:710px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-5-1024x575.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-5-300x169.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-5-768x431.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-5-1536x863.png 1536w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-5.png 1905w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\ud83c\uddf1\ud83c\uddfbL\u00e4ti<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2024. aasta I kvartal: nagu iga varajases etapis turu puhul, v\u00f5ivad tulemused olla k\u00f5ikuvamad, kuni klientide hankimise, hinnastamise ja hindamise mudeleid optimeeritakse.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-6-1024x575.png\" alt=\"Transparency-report_table-EE\" class=\"wp-image-464381\" style=\"aspect-ratio:1.7808990625103522;width:736px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-6-1024x575.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-6-300x169.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-6-768x431.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-6-1536x863.png 1536w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-6.png 1905w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\ud83c\uddf3\ud83c\uddf1Holland<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2023. aasta II kvartal: Bondora alustas laenude v\u00e4ljastamise laiendamist klientide optimeeritud hankimisega.<\/li>\n\n\n\n<li>2023. aasta III kvartal: turg laienes algse hindamismudeliga.<\/li>\n\n\n\n<li>2023. aasta IV kvartal: saavutati parim riski ja tulu suhe alates turule sisenemisest.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"575\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-1-1024x575.png\" alt=\"Transparency-report_table-EE (1)\" class=\"wp-image-464425\" style=\"aspect-ratio:1.7808990625103522;width:752px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-1-1024x575.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-1-300x169.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-1-768x431.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-1-1536x863.png 1536w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-1-1.png 1905w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">K\u00f5igil turgudel paraneb Bondora portfell j\u00e4tkuvalt, seda toetab pidev t\u00f6\u00f6 klientide hankimise, hinnastamise, hindamise ja portfelli j\u00e4lgimise t\u00e4iustamiseks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kuidas Bondora laenude sissen\u00f5udmist haldab<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Makseviivituste m\u00f5\u00f5tmise m\u00f5istmine on vaid osa tervikpildist. Kuna makseviivitused on laenutegevuse tavap\u00e4rane osa, s\u00f5ltub pikaajaline portfelli tulemuslikkus ka sellest, mis juhtub p\u00e4rast makseviivitus: kui t\u00f5husalt tasumata summad aja jooksul sisse n\u00f5utakse.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Millised on sissen\u00f5udmised tavap\u00e4rased tulemused?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Enne kui vaatame seda protsessi l\u00e4hemalt, heidame kiire pilgu tulemustele. J\u00e4rgnevalt on n\u00e4ha riigiti, kui suure osa 1000 euro suuruse viivislaenu p\u00f5hiosast suudame keskmiselt sisse n\u00f5uda:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Eesti: 667 \u20ac<\/li>\n\n\n\n<li>Soome: 689 \u20ac<\/li>\n\n\n\n<li>L\u00e4ti: 667 \u20ac<\/li>\n\n\n\n<li>Holland: 667 \u20ac<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Need prognoosid p\u00f5hinevad 10 aasta pikkusel perioodil ja minevikus sisse n\u00f5utud laenude andmetel. Uuematel turgudel, nagu L\u00e4ti ja Holland, kasutab Bondora tulemuste hindamiseks v\u00f5rreldavaid riigi tasandi andmeid ja varasemaid suundumusi.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"776\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-8-1024x776.png\" alt=\"Transparency-report_table-EE\" class=\"wp-image-464447\" style=\"width:654px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-8-1024x776.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-8-300x227.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-8-768x582.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-8-1536x1164.png 1536w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-8-2048x1553.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><em>(Kumulatiivse sissen\u00f5udmise osakaal makseviivituses p\u00f5hisummast (viimati uuendatud: juuni 2026; uuendatakse kord aastas)<\/em><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Esimese kolme aasta jooksul p\u00e4rast makseviivitust saab Bondora tavaliselt tagasi 31% kuni 54% tasumata p\u00f5hiosast, olenevalt riigist. Need tagasimaksed kogunevad j\u00e4rk-j\u00e4rgult, aasta-aastalt, struktureeritud v\u00f5lamenetluse kaudu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need n\u00e4itajad annavad kasuliku ajaloolise v\u00f5rdluspunkti, kuid tegelikud tulemused v\u00f5ivad erineda turu, kohordi ja \u00fcksikjuhtumi l\u00f5ikes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kuigi juriidilised meetmed v\u00f5ivad olla protsessi osa, tehakse palju tagasimakseid koost\u00f6\u00f6p\u00f5hise v\u00f5lamenetluse kaudu. Laekumised v\u00f5tavad sageli aega, mist\u00f5ttu on j\u00e4rjepidevus ja pikaajalised j\u00e4relmeetmed olulised.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seet\u00f5ttu on Bondora v\u00e4lja t\u00f6\u00f6tanud struktureeritud, mitmeetapilise v\u00f5lamenetlusprotsessi, mis annab tulemusi ja kohtleb samal ajal iga klienti \u00f5iglaselt ning lugupidavalt.<a href=\"https:\/\/help.goandgrow.eu\/hc\/en-us\/articles\/14816734538897-What-is-Bondora-s-4-step-Collection-Recovery-Process\"> Loe l\u00e4hemalt, kuidas 4-etapiline protsess toimib<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kuidas on laenud hetkel etappide kaupa jagunenud?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Siin on l\u00fchi\u00fclevaade sellest, millises sissen\u00f5udmise etapis viivislaenud on:<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"472\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-9-1024x472.png\" alt=\"Transparency-report_table-EE\" class=\"wp-image-464469\" style=\"width:762px;height:auto\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-9-1024x472.png 1024w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-9-300x138.png 300w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-9-768x354.png 768w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-9-1536x707.png 1536w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Transparency-report_table-EE-9-2048x943.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><em>* Ebat\u00f5en\u00e4oliste juhtumite alla kuuluvad pankrotid, surnud laenuv\u00f5tjad ja pikaajalised \u00fcmberstruktureerimised. Neid laene j\u00e4lgitakse j\u00e4tkuvalt, kuid sissen\u00f5udmise tulemusi on raskem prognoosida. (Viimati uuendatud: juuni 2026; uuendatakse kord aastas)<\/em><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Sissen\u00f5udmise on midagi enamat kui lihtsalt arv. See peegeldab struktureeritud pingutust viivislaenude tasumata summade tagasisaamiseks, mida tehakse lugupidavalt ja koosk\u00f5las kohalike seadustega.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bondora l\u00e4henemine aitab tagada, et isegi makseviivituste korral j\u00e4tkuvad sissen\u00f5udmistegevused taustal ja v\u00f5ivad aja jooksul portfelli tulemuslikkust toetada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u00e4bipaistvus, \u00f5iglus ja pikaajaline m\u00f5tlemine on Bondora iga juhtumi haldamise keskmes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pilk tulevikku: j\u00e4tkuv l\u00e4bipaistvus ja regulaarsed uuendused<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Portfelli kvaliteet, riskin\u00e4itajad, makseviivitused ja laekumised m\u00e4ngivad k\u00f5ik olulist rolli Go &amp; Grow\u2019 tulemuslikkuse m\u00f5istmisel. See aruanne koondab peamised andmed \u00fchte kohta ja seda uuendatakse aja jooksul.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Regulaarsemate uuenduste n\u00e4gemiseks on v\u00f5imalik tutvuda meie<a href=\"https:\/\/goandgrow.eu\/et\/public-statistics\/\"> statistikalehe<\/a> ja<a href=\"https:\/\/goandgrow.eu\/et\/blog\/category\/stats-and-data\/\"> igakuiste statistikaartiklitega<\/a>, kus jagame uusimaid n\u00e4itajaid investeeringute, investorite tulude, laenude v\u00e4ljastamise ja turuaktiivsuse kohta.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bondora Groupi<a href=\"https:\/\/help.goandgrow.eu\/hc\/en-us\/articles\/14813916754961-What-is-the-current-financial-performance-of-the-Bondora-Group\"> auditeeritud iga-aastased finantsaruanded<\/a> on k\u00e4ttesaadavad ka meie teabekeskuses ning need annavad laiema \u00fclevaate grupi finantstulemustest.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u00e4bipaistvus on Go &amp; Grow\u2019 oluline osa. Kuigi Go &amp; Grow ise laene ei v\u00e4ljasta, on see seotud Bondora Groupi alusvaraks oleva laenuportfelli tulemustega. Seet\u00f5ttu on portfelli peamised statistilised n\u00e4itajad, sealhulgas Bondora Groupi laenude tootlus, makseh\u00e4ired, laekumised, portfelli kvaliteet ja riskin\u00e4itajad, olused, kuna need aitavad m\u00f5ista, millised tegurid tootlust m\u00f5jutavad. Selles aruandes koondatakse k\u00f5ige olulisemad [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":464225,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[141],"tags":[],"class_list":["post-464535","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-statistika-ja-andmed"],"acf":[],"featured_image":{"url":"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2026\/07\/Blog-Bondora-Loan-Portfolio-Statistics-2026-EE.png","width":1200,"height":628},"categories_names":["Statistika ja andmed"],"category_name":"Statistika ja andmed","_links":{"self":[{"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/posts\/464535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/comments?post=464535"}],"version-history":[{"count":2,"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/posts\/464535\/revisions"}],"predecessor-version":[{"id":467105,"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/posts\/464535\/revisions\/467105"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/media\/464225"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/media?parent=464535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/categories?post=464535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/et\/wp-json\/wp\/v2\/tags?post=464535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}