| 词条 | Harmoney |
| 释义 |
| name = Harmoney | logo = Harmoney logo.png | type = Limited | foundation = Auckland, New Zealand (2013) | key_people = Neil Roberts, CEO; Simon Ward, CFO; Brad Hagstrom, COO; [1] | industry = Personal finance | location = Parnell Auckland, New Zealand | products = Peer-to-peer lending | homepage = {{plainlist|
}} Harmoney Limited is a New Zealand and Australian peer-to-peer lending service headquartered in Auckland[2] with offices in Sydney. Harmoney operates by connecting individuals who want to borrow with individuals who want to invest. Harmoney provides unsecured personal loans up to $70,000 on a range of terms and competitive interest rates. Launched in September 2014, Harmoney was the first licensed provider in New Zealand after peer-to-peer lending and crowdfunding were enabled on 1 April 2014, following the passing of new financial legislation in New Zealand.[3][4][5] HistoryHarmoney was founded in late 2013 by Neil Roberts who became CEO of the new company.[6] Roberts is the primary share owner of Harmoney. Icehouse (New Zealand based business incubator) holds a 2% stake, while Heartland Bank announced it had taken a 10% stake in the platform for an undisclosed sum in September, 2014.[7][8] Trade Me announced in January 2015 it had acquired a 15% stake for $7.7 million. Trade Me appointed CFO Jonathan Klouwens to join Harmoney's board of directors.[9][10] Harmoney launched on 10 September 2014, after it had obtained a license by the Financial Markets Authority on 8 July 2014.[11] The company said it had NZD $100 million available to lend from four main investors.[12] One main investor was revealed to be Heartland bank, but Harmoney has declined to disclose the remaining three.[13] In June 2016, Harmoney announced that it had generated 8.6 million in revenue for its first full year of operation.[14] This was a loss of $14.2m for the full year, as it continues to invest and grow staff numbers. Business ModelHarmoney enables borrowers to apply for personal loans through its website by providing details about themselves and the loan they would like to apply for. Loans are unsecured, and can be between $2,000 - $70,000 for three or five-year terms. Harmoney determines the creditworthiness of a borrower on the basis of their credit history, their income, debt and requested loan amount. Applicants are assigned a risk grade and associated interest rate according to Harmoney's scorecard, which grades loans on a scale from A to F.[15] New Zealand residents aged 18 or older with a valid New Zealand driver's licence or NZ Passport are eligible to invest or apply for a loan through Harmoney. Loan interest rates range from 6.99% to 29.99%, with bad debts averaging 3.05% of total money borrowed as at December 2017.[16] Investors can browse the loans listed on Harmoney's website and select loans based on criteria including loan amount, loan purpose, and loan grade. Harmoney fractionalises loans into $25 "notes",[17] enabling investors to choose how many notes to invest in each loan, with a minimum deposit of $500 into your account.[18] Investors earn money from interest and receive repayments from borrowers as they are made, proportionate to the percentage of the loan total they funded.[19] Harmoney makes money by charging a platform fee to borrowers and a service fee to investors. The platform fee amount varies from 2% to 6% depending on the borrower's credit grade, while the service fee is 1.25% on all amounts the borrower pays.[15]. Borrowers pay either $200 or $450 if their loan is successfully funded.[20] Board of directors
Advisory Board
See also
References1. ^{{cite web|url=https://www.harmoney.co.nz/about-us/advisory-board|title=Harmoney advisory board|accessdate=24 May 2015}} 2. ^{{Cite news|url=http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&objectid=11289635|title=Peer-to-peer lending gets NZ green light|last=Adams|first=Christopher|date=8 July 2014|newspaper=New Zealand Herald|language=en-NZ|issn=1170-0777|access-date=28 October 2014}} 3. ^{{cite web|url=http://www.interest.co.nz/personal-finance/70827/harmoney-says-its-first-peer-peer-lender-obtain-licence-fma|title=Harmoney the first peer-to-peer lender to obtain a licence from the FMA - interest.co.nz|author=|date=|publisher=|accessdate=28 October 2014}} 4. ^{{cite web|url=http://www.interest.co.nz/personal-finance/71744/nzs-first-licenced-online-peer-peer-lender-now-and-running|title=NZ's first licenced online peer-to-peer lender now up and running - interest.co.nz|author=|date=|publisher=|accessdate=28 October 2014}} 5. ^{{cite web|url=http://www.interest.co.nz/business/68731/cabinet-rubber-stamps-regulations-crowd-funding-and-peer-peer-lending|title=Cabinet rubber stamps regulations for crowd funding and peer-to-peer lending - interest.co.nz|author=|date=|publisher=|accessdate=28 October 2014}} 6. ^{{cite web |url=http://www.harmoney.co.nz/about-us |title=About Harmoney Peer Lending |publisher=Harmoney}} 7. ^{{cite web|url=http://www.interest.co.nz/personal-finance/69587/banks-personal-loans-and-credit-card-business-sights-peer-peer-lending-applic|title=Banks' personal loans and credit card business in the sights of peer-to-peer lending applicant Harmoney - interest.co.nz|author=|date=|publisher=|accessdate=28 October 2014}} 8. ^{{cite web|url=http://tvnz.co.nz/business-news/heartland-invests-in-harmoney-funding-after-taking-10-stake-6075558?ref=rss|title=Heartland invests in HarMoney funding, after taking 10% stake|author=|date=|work=TVNZ|accessdate=28 October 2014}} 9. ^{{Cite web|url=https://www.harmoney.co.nz/about-us/media/trade-me-pays-7-7-million-for-15-stake-in-peer-to-peer-lender-harmoney|title=Trade Me pays $7.7 million for 15% stake in peer-to-peer lender Harmoney|last=Elisara|first=Greg|date=12 January 2015|website=Harmoney|language=en-US|access-date=12 June 2016}} 10. ^{{Cite web|url=http://investors.trademe.co.nz/news/media-releases/2015/trade-me-acquires-stake-in-peer-to-peer-lender-harmoney/|title=Trade Me acquires stake in peer-to-peer lender Harmoney|date=12 January 2015|website=Investor Relations – Trade Me Group Ltd|access-date=12 June 2016}} 11. ^{{cite web|url=http://www.fma.govt.nz/news/media-releases/fma-issues-new-zealands-first-licence-for-peer-to-peer-lending-services/|title=FMA issues first NZ peer to peer licence|publisher=Financial Markets Authority NZ|accessdate=24 March 2015}} 12. ^{{cite web|url=http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&objectid=11321872|title=HarMoney launches with $100m to lend|author=|date=|work=The New Zealand Herald|accessdate=28 October 2014}} 13. ^{{cite web|url=http://www.interest.co.nz/personal-finance/71874/peer-peer-lender-harmoney-launches-officially-100-million-lend|title=Peer-to-peer lender Harmoney launches, officially, with $100 million to lend - interest.co.nz|author=|date=|publisher=|accessdate=28 October 2014}} 14. ^{{cite web|url=https://www.nbr.co.nz/article/harmoney-generates-86-mln-revenue-first-year-b-192115 |title=Harmoney generates $8.6m of revenue in first year|publisher=NBR|accessdate=9 October 2016}} 15. ^1 {{Cite web|url=https://www.harmoney.co.nz/how-it-works/interest-rates-and-fees|title=Interest Rates and Fees for our Lending marketplace|website=Harmoney|language=en-US|access-date=12 June 2016}} 16. ^{{Cite web|url=http://www.moneyhub.co.nz/harmoney-review.html|title=Harmoney Review |website=moneyhub NZ|access-date=15 January 2018}} 17. ^{{Cite web|url=https://www.harmoney.co.nz/investors/diversification|title=How to diversify with Peer to Peer Lending - Harmoney|website=Harmoney|language=en-US|access-date=12 June 2016}} 18. ^{{Cite web|url=https://www.consumer.org.nz/articles/peer-to-peer-lending|title=Peer-to-peer lending|last=Sluka|first=Kate|date=29 January 2015|website=Consumer NZ|access-date=12 June 2016}} 19. ^{{Cite web|url=https://www.harmoney.co.nz/how-it-works/investor-faq|title=Investor FAQs - on how to invest|website=Harmoney|language=en-US|access-date=12 June 2016}} 20. ^{{Cite web|url=https://www.moneyhub.co.nz/harmoney-review.html|title=Harmoney Loans Review - The Definitive Guide|date= December 2018|website=MoneyHub.co.nz|access-date=17 December 2018}} 21. ^1 2 3 {{cite web|url=http://www.interest.co.nz/business/69995/peer-peer-lending-start-harmoney-names-rob-campbell-chairman|title=Peer-to-peer lending start-up Harmoney names Rob Campbell chairman - interest.co.nz|author=|date=|publisher=|accessdate=28 October 2014}} 22. ^{{cite web|url=http://www.harmoney.co.nz/about-us/directors|title=Harmoney CEO and Directors - harmoney.co.nz |accessdate=13 September 2016}} External links
4 : 2013 establishments in New Zealand|Peer-to-peer lending companies|Financial services companies of New Zealand|Companies established in 2013 |
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