Online bank:how to obtain a credit only with an e-mail?

It's true, Internet can make you richer over the night. On zopa.com, the rule "Ask and you will be given" works at full throttle. But there are asterisks coming with this offer.

        The asterisks consist in the fact that the money you receive are in fact loaned to you by other members of the website, on a chosen term. It's  one of the first websites that offers such services , and this it's a sign that Internet will be in the future more than we imagine. Practically  ,  this website  acts like  a regular bank, even if it works on the same principles.

        Bankers say that in their domain works the "3-6-3" rule. How it works? You offer the one that deposits 3% return of investment, which you offer the one that needs to loan money with a 6% ROI, which he must pay back.

         The user simply sign-ups on the website, and using the online menu he specifies the sum he needs to loan and what ROI he is able to pay back, and also the term of the loan. If other users see in his offer an opportunity to make profit, they lend money to the asker. If no, the request remains valid a certain period of time, in hope that it will be resolved. Practically, any of the users that loan money to others can say they opened their own bank.

         All users are evaluated depending on the history of loans, if there were any unwanted incidents or if they payed their dues. The classifying  is made on three categories : A , B , and C .

         The website was enthusiastically received and gathered a lot of positive comments, even from the well-known company Forrester Research.

         For reducing the risks, Zopa splits the asked sum to more creditors. For example , the sum of 500 dollars is raised by contribution of up to 50 members. Zopa retains a 0.5% commission from every transaction made. And another characteristic that makes Zopa look like a real bank is that in case that a sum is not returned, the team of money recoverer comes in alert.