拖欠| |的P2P貸款，點對點的貸款，人民對人民的P2P貸款貸款的新聞，資訊，借貸策略

8 Listing Strategies to get Best Prosper Loan Rate 8日上市策略獲得最佳普羅斯珀貸款利率

May 29th, 2008 — 08年5月29日- Listing Review上市審查 , ， Prosper.com , ， Strategy戰略

I have had several bloggers ask for advice on their listings or potential listings… One of them even joined my group and我有幾個博客請教他們的物品或潛在的物品...其中一人甚至加入我的組和 successfully received a $25K loan成功收到25,000美元的貸款 at an interest rate he was happy with…在利息，他很高興與...

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…作為一名Blogger的聲譽，您的博客已經為你的意義兩方面的人物，而且在真正的財務條款...我已私下說，我將給予任何博客1年或更長的時間放在自己的博客聲譽該行的上市...

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經問了同樣的...收件清單，並提到您的博客和網址，我會贊同和競標您的物品，並提供所有的提示和幫助我知道如何提供，以便讓您的貸款資助率和盡可能低的水平...

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雖然我仍然決策提供任何博客，我想分享我的秘訣創造盡可能好的物品，任何人都可以使用的繁榮， get a loan獲得貸款 . 。

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也有一些信貸的統計數字，是事實，並在你的控制（目前詢問，目前拖欠，等等）。這些都是簡單的與您的情況下，難以調整的受益的定義...還有其他，您可以控制即貸款金額及有關貿工部。如果在所有可能與您的統計數字，是我們的控制，調整您的貸款金額和您的貿工部，以符合一 portfolio plan slice產品組合計劃切片 . These slices are updating frequently and they can be a moving target (ask 。這片正在更新頻繁，他們可以是一個移動的目標（問 deep market深市場 … his listing went live at 3 in the afternoon and the slices were adjust that evening.) Why? ...他列出了3生活在下午和調整片是晚上。）為什麼呢？ because the default portfolio plans have a lot of purchasing power… (My own listing might have gotten as much as因為默認的組合計劃有很多的購買力... （我自己的上市可能會得到多達 $12K+ in portfolio plan bids in 4 days $ 12,000 +在產品組合計劃出價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.完您的物品周圍的EST下午...不管什麼原因，似乎是時候更多的出價被置於。這使我認為這是一個時間的高峰貸款活動。
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，而不是週末假日） ...這可能不再擁有同樣的權力，因為它曾經（由於 $50 instant transfer for Facebook users 50美元即時匯款Facebook的用戶 ), 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. ），但理論不用...任何銀行匯款之間發生上午11點01東方星期五和星期一上午11:00將導致資金被用於招標週四由於時間的交易，明確的銀行...這不是每個人都是Facebook的用戶或有普羅斯珀Facebook的應用程序安裝，因此我將仍然使用這一招。
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?告訴你的故事。真實和誠實，並盡量詳細的故事，你覺得舒服...一個開支細目，並列出數量和收入來源可能有助於降低利率。但是，只有你提供舒適共享。您的物品應在財政意義，否則你為什麼獲得貸款？
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).使用有關的圖片...難道你不使用的圖片別人的房子或別人的金發碧眼的女朋友（帽子小費，以怪誕經濟學說，誰年輕的金發婦女出售的所有其他人口在美國）。
Choose the right starting interest rate… Prosper now provides interest rate guidance. Use the rate with the best chance of funding.選擇正確的出發利息...普羅斯珀現在提供利息指導。使用率的最佳機會的資金。 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.你不能得到貸款如果你不上市達到100 ％資助...列表將只開始競標後，低達100 ％的資金。
Get endorsements from friends and get bids from friends who have endorsed your listing.獲得簽注從朋友並獲得競標的朋友誰也贊同您的物品。 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 +簽注（也許有點矯枉過正）和11個競標普羅斯珀朋友。我也有一些來自朋友的出價不屬於確認之友的繁榮。嘗試獲得至少3個朋友贊同和競標物品。
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.回答問題。如果貸款人需要關心您的物品足夠的問一個問題，他們應該得到的答案。我回答所有的問題。即使這個問題涉及的細節我的財務生活，我不舒服分享。我故意離開一個收入和預算細目從我的物品。 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.我不建議如果您正在為您盡可能最低的利率。但是，我根本沒有感覺很舒服，信息共享（也許我的利息損害）。但是，即使我回答這個問題禮貌地拒絕回答，並說明了我的理由。