FAQ

Questions and answers for those who lend money.

Lending is made from the account called Loan Account. By transferring the money to the Liquid Account you ensure that the money is not lent out.

The loan account also pays the amortization and interest from the loans you are a lender of. In order to stop reinvesting your profits in loans, you need to adjust your exposure settings to zero. The next step is to transfer the money from the Loan Account to the Liquid Account, from which no lending is ever made. When you then want to resume your lending, simply adjust the settings back and make sure there is money in the Loan Account.

With Untie you do not have to monitor your investments since it’s all done automatically. As soon as you transfer money to the Loan Account it will be lent out and you have started your investment.
That depends on several things. Firstly, how much of the money you put in is loaned and partly what the average interest rate is on the loans you take part in.
Lending money is always associated with a risk. It is not guaranteed that you will get your borrowed money back. To minimize the risks, we spread your investments on several different loans and this is done automatically. When you register, you get to choose how much you want to invest per loan to manage your risk.
If a borrower does not pay on time, a reminder is sent and then a debt collection claim. Should the borrower then not pay his loan, the case goes to Kronofogden. We handle this entire process for you.
Absolutely, if the money is not moved from the Loan Account they will be allocated for new loans and you get the "interest on interest" effect.
To get started you register an account with us then you can transfer money to your Untie account. When this is done, your money will be allocated to various loans and you can follow your investment when logged into www.untie.se.

Yes, you should. For private individuals, we withhold a provisional tax of 30% on the interest rates received. We report this to the Swedish Tax Agency every year, so you do not need to do anything yourself. For companies, there is an opportunity to export SIE files and import in your accounting, the income is included in the regular accounting and tax is paid on the company's earnings.

As a lender, you pay 30% tax on your return. The 30% of interest income that Untie charges as a fee is taken directly from the lender and is not taxed by you as a lender.

Interest and amortization are paid to your Untie-account (unless you haven't requested payment to another account) in connection with the borrower paying his invoices.
No, we are not a bank and therefore have no deposit guarantee. However, our members' deposited money is always separated from the company's individual money, so they are protected if Untie AB goes bankrupt.
You do not pay any fees for being a member or for having an account at Untie. When your investments start to return, we get paid, our compensation of 30% of the interest paid is deducted before you see the money in your account. What you get in there is your return. That means our payment is linked to your profits; we only get paid if you do.