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.
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.