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This is World News Tonight, brought to you by HYUNDAI SONATA. We’re always hearing about new and unusual uses for the Internet. But we have a report tonight about a trend many might find hard to believe. Web sites allowing people to borrow 빌리다 money from complete strangers. The sites match people who want to borrow money with people who want to lend 빌려주다 it. But like many Internet transactions 거래, <특히> 상거래, there are risks. Here’s ABC’s Betsy Stark.
When Nora Penic applied for 지원하다, 신청하다 a bank loan 대출, 대부 to buy a $2,700 chocolate fountain for her fledgling 갓 시작하는 catering 요식 조달업, 출장 연회업 business. “They showed me the door, so...” Penic had declared bankruptcy 파산 선고하다 after running up $250,000 in medical bills for open heart surgery.
“They don’t look at the person. They don’t look at the human factor. All they look at is the numbers.” Penic’s only alternative 대안, 다른 방도 would’ve been to borrow money on a credit card. In her case at a staggering 깜짝 놀랄만한 29% interest 이자, 이자율.
On proper.com, borrowers post <새로운 지식, 정보 따위를> 알리다 listings of the loans they want and why along with their credit scores and the interest they’re willing to pay. Anonymous 익명의 individuals, then, make offers to the borrowers they like stating 명확히 제시하다;…라는 것을 나타내다 how much they’re willing to lend and at what rate. Prosper’s CEO says it’s a lot like eBay, but for money. “If you leave this to people, they’ll do better than institutions can.”
Jane Boon is one of hundreds of lenders on prosper.com. She’s already made 140 loans worth $22,000 at an average interest rate of 22%. “I’m also very partial to sort of the quirky 변덕스러운 business needing a little help.” But Boon knows lending 빌려주기 on prosper is risky business. There’s no assurance 보증, 보장 you’ll get repaid. “None whatsoever 약간의 …도 없는.”
Certified 공인의 financial planner, David Mendels, calls it closer to gambling than investing. “If I walked up to you on the street and I said here’s copy of my credit rating, would you like to lend me $10,000? Chances are 아마도 ~인 것 같다 I’d have a hard time ~하느라 애먹다 getting any money out of you.” Even Nora concedes <마지못해> 인정하다, 시인하다 it’s a giant leap of faith 믿음의 도약. “You’re asking money from absolute 완전한 strangers.” But now she has the money for her chocolate fountain at 15% interest. Betsy Stark, ABC News,