默认组合| |的P2P贷款，点对点的贷款，人民对人民的P2P贷款贷款的新闻，资讯，借贷策略

8 Listing Strategies to get Best Prosper Loan Rate 8日上市策略获得最佳普罗斯珀贷款利率

May 29th, 2008 — 08年5月29日- Listing Review上市审查 , ， Prosper.com , ， Strategy战略

I have had several bloggers ask for advice on their listings or potential listings… One of them even joined my group and我有几个博客请教他们的物品或潜在的物品...其中一人甚至加入我的组和 successfully received a $25K loan成功收到25,000美元的贷款 at an interest rate he was happy with…在利息，他很高兴与...

As a blogger the reputation of your blog has meaning for you both in terms of your persona, but also in real financial terms… I have said privately, that I would lend to any blogger of 1 year duration or longer that placed their blog reputation on the line in the listing…作为一名Blogger的声誉，您的博客已经为你的意义两方面的人物，而且在真正的财务条款...我已私下说，我将给予任何博客1年或更长的时间放在自己的博客声誉该行的上市...

My offer to any blogger that has asked has been the same… Write a listing and mention your blog and url and I will endorse and bid on your listing and offer all the tips and assistance I know how to provide in order to get your loan funded and the rate as low as possible…我提供的任何博客已经问了同样的...收件清单，并提到您的博客和网址，我会赞同和竞标您的物品，并提供所有的提示和帮助我知道如何提供，以便让您的贷款资助率和尽可能低的水平...

While I am still making that offer to any blogger, I thought I would share my tips for creating the best possible listing that anyone can use on prosper to虽然我仍然决策提供任何博客，我想分享我的秘诀创造尽可能好的物品，任何人都可以使用的繁荣， get a loan获得贷款 . 。

There are some credit statistics that are factual and out of your control (current inquires, current delinquencies, etc.). These are simple related to your circumstance and are difficult to adjust for your benefit by definition… There are others that you can control namely loan amount and the related DTI. If at all possible with your statistics that are our of your control, adjust your loan amount and there by your DTI to conform to a也有一些信贷的统计数字，是事实，并在你的控制（目前询问，目前拖欠，等等）。这些都是简单的与您的情况下，难以调整的受益的定义...还有其他，您可以控制即贷款金额及有关贸工部。如果在所有可能与您的统计数字，是我们的控制，调整您的贷款金额和您的贸工部，以符合一 portfolio plan slice产品组合计划切片 . These slices are updating frequently and they can be a moving target (ask 。这片正在更新频繁，他们可以是一个移动的目标（问 deep market深市场 … his listing went live at 3 in the afternoon and the slices were adjust that evening.) Why? ...他列出了3生活在下午和调整片是晚上。）为什么呢？ because the default portfolio plans have a lot of purchasing power… (My own listing might have gotten as much as因为默认的组合计划有很多的购买力... （我自己的上市可能会得到多达 $12K+ in portfolio plan bids in 4 days $ 12,000 +在产品组合计划出价4天 .) 。）
End your listing around 5pm est… For whatever reason that seems to be the time when more bids are placed. This leads me to believe this is a time of peak lender activity.完您的物品周围的EST下午...不管什么原因，似乎是时候更多的出价被置于。这使我认为这是一个时间的高峰贷款活动。
End you listing on Thursday (assuming normal weekend and not a holiday)… This may no longer hold the same power as it once did (due to the你完日上市（假定正常的，而不是周末假日） ...这可能不再拥有同样的权力，因为它曾经（由于 $50 instant transfer for Facebook users 50美元即时汇款Facebook的用户 ), but the theory goes… Any lender transfer of money occurring between 11:01am est Friday and 11:00am Monday will result in the money being available for bidding on Thursday due to the time it takes for the transactions to clear the bank… Not everyone is a facebook user or has the Prosper facebook application installed and therefore I would still use this tip. ），但理论不用...任何银行汇款之间发生上午11点01东方星期五和星期一上午11:00将导致资金被用于招标周四由于时间的交易，明确的银行...这不是每个人都是Facebook的用户或有普罗斯珀Facebook的应用程序安装，因此我将仍然使用这一招。
Tell you story. Be truthful and honest and put as much detail into the story as you feel comfortable with… An expenses breakdown and a list of income amount and sources might help with a lower interest rate. But only provide what you are comfortable sharing. Your listing should make sense financially, else why are you getting the loan?告诉你的故事。真实和诚实，并尽量详细的故事，你觉得舒服...一个开支细目，并列出数量和收入来源可能有助于降低利率。但是，只有你提供舒适共享。您的物品应在财政意义，否则你为什么获得贷款？
Use a relevant picture… Do not you use a picture of someone else’s house or someone else’s blond girlfriend (hat tip to Freakonomics who says that young blond women out sell all other demographics in America).使用有关的图片...难道你不使用的图片别人的房子或别人的金发碧眼的女朋友（帽子小费，以怪诞经济学说，谁年轻的金发妇女出售的所有其他人口在美国）。
Choose the right starting interest rate… Prosper now provides interest rate guidance. Use the rate with the best chance of funding.选择正确的出发利息...普罗斯珀现在提供利息指导。使用率的最佳机会的资金。 You cannot get a loan if you listing does not reach 100% funded… The listing will only begin to be bid lower after it reaches 100% funded.你不能得到贷款如果你不上市达到100 ％资助...列表将只开始竞标后，低达100 ％的资金。
Get endorsements from friends and get bids from friends who have endorsed your listing.获得签注从朋友并获得竞标的朋友谁也赞同您的物品。 I had 14+ endorsements (maybe a bit of overkill) and 11 bids from Prosper friends. I also have a number of bids from friends that are not confirmed Friends on Prosper. Try to get at least 3 friends to endorse and bid on your listing.我有14 +签注（也许有点矫枉过正）和11个竞标普罗斯珀朋友。我也有一些来自朋友的出价不属于确认之友的繁荣。尝试获得至少3个朋友赞同和竞标物品。
Answer questions. If a lender takes an interest in your listing enough to ask a question, they deserve an answer. I answered all the questions asked. Even the question that involved details of my financial life that I am not comfortable sharing. I intentionally left out an income and budget breakdown from my listing.回答问题。如果贷款人需要关心您的物品足够的问一个问题，他们应该得到的答案。我回答所有的问题。即使这个问题涉及的细节我的财务生活，我不舒服分享。我故意离开一个收入和预算细目从我的物品。 I do not recommend this if you are trying for your lowest possible interest rate. But I simply did not feel comfortable sharing that information (perhaps to my interest rate detriment). But even then I answer the question politely decline to answer and stating my reasons.我不建议如果您正在为您尽可能最低的利率。但是，我根本没有感觉很舒服，信息共享（也许我的利息损害）。但是，即使我回答这个问题礼貌地拒绝回答，说明我的理由。