{"id":13099,"date":"2024-03-18T09:48:41","date_gmt":"2024-03-18T09:48:41","guid":{"rendered":"https:\/\/getincome.com\/blog\/turvafunktsioonid\/"},"modified":"2026-10-28T10:56:13","modified_gmt":"2026-10-28T10:56:13","slug":"turvafunktsioonid","status":"publish","type":"page","link":"https:\/\/getincome.com\/blog\/et\/turvafunktsioonid\/","title":{"rendered":"Turvafunktsioonid"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13099\" class=\"elementor elementor-13099 elementor-7114\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23f4cccb elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"23f4cccb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4c98f33c\" data-id=\"4c98f33c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e915653 elementor-widget elementor-widget-text-editor\" data-id=\"e915653\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><a href=\"\/\" class=\"header-logo\" target=\"_self\"><img decoding=\"async\" src=\"\/img\/income.dd175754.svg\" width=\"110\" alt=\"Income platvorm\" class=\"income-logo\"><\/a><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-260a49d8\" data-id=\"260a49d8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cb727c6 elementor-nav-menu__align-end elementor-nav-menu--stretch elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"5cb727c6\" data-element_type=\"widget\" data-settings=\"{&quot;full_width&quot;:&quot;stretch&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;&quot;},&quot;layout&quot;:&quot;horizontal&quot;,&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-5cb727c6\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10213\"><a href=\"https:\/\/getincome.com\/et\/kuidas-investeerida\" class=\"elementor-item\">Kuidas see t\u00f6\u00f6tab<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10214\"><a href=\"https:\/\/getincome.com\/et\/statistika\" class=\"elementor-item\">Statistika<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10215\"><a href=\"https:\/\/getincome.com\/loan-originators\" class=\"elementor-item\">Laenuandjad<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10216\"><a href=\"https:\/\/getincome.com\/et\/meeskond\" class=\"elementor-item\">Meeskond<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10217\"><a href=\"https:\/\/getincome.com\/et\/abi\" class=\"elementor-item\">Abi<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10230\"><a href=\"https:\/\/getincome.com\/blog\/\" class=\"elementor-item\">Blogi<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10231\"><a href=\"https:\/\/getincome.com\/register\" class=\"elementor-item\"><div style=\"padding: 10px 10px; margin:-10px; color: #fff; background: #30a7fe; box-sizing: border-box;     border-radius: 16px;\">Alusta<\/div><\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10232\"><a href=\"https:\/\/getincome.com\/login\" class=\"elementor-item\"><strong>Logi sisse<\/strong><\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open eicon-menu-bar\"><\/i><i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close eicon-close\"><\/i>\t\t\t<span class=\"elementor-screen-only\">Menu<\/span>\n\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-5cb727c6\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10213\"><a href=\"https:\/\/getincome.com\/et\/kuidas-investeerida\" class=\"elementor-item\" tabindex=\"-1\">Kuidas see t\u00f6\u00f6tab<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10214\"><a href=\"https:\/\/getincome.com\/et\/statistika\" class=\"elementor-item\" tabindex=\"-1\">Statistika<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10215\"><a href=\"https:\/\/getincome.com\/loan-originators\" class=\"elementor-item\" tabindex=\"-1\">Laenuandjad<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10216\"><a href=\"https:\/\/getincome.com\/et\/meeskond\" class=\"elementor-item\" tabindex=\"-1\">Meeskond<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10217\"><a href=\"https:\/\/getincome.com\/et\/abi\" class=\"elementor-item\" tabindex=\"-1\">Abi<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10230\"><a href=\"https:\/\/getincome.com\/blog\/\" class=\"elementor-item\" tabindex=\"-1\">Blogi<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10231\"><a href=\"https:\/\/getincome.com\/register\" class=\"elementor-item\" tabindex=\"-1\"><div style=\"padding: 10px 10px; margin:-10px; color: #fff; background: #30a7fe; box-sizing: border-box;     border-radius: 16px;\">Alusta<\/div><\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10232\"><a href=\"https:\/\/getincome.com\/login\" class=\"elementor-item\" tabindex=\"-1\"><strong>Logi sisse<\/strong><\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-9ecba40 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"9ecba40\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2105100 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2105100\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-feathershield\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">P2P-INVESTORITE TURVALISUS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38b4b97 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"38b4b97\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Kolm kaitsetaset.\n<br>  \u00dckski teine P2P-platvorm seda ei tee.<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5857b2 elementor-widget__width-inherit animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b5857b2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Income Marketplace on ainus P2P-investeerimisplatvorm, millel on rahavoogupuhver \u2013 ainulaadne mehhanism, mis on loodud teie investeeringu kaitsmiseks isegi juhul, kui laenu v\u00e4ljastaja peaks pankrotti minema.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8786c3d e-flex e-con-boxed e-con e-child\" data-id=\"8786c3d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f8ab6c1 e-flex e-con-boxed e-con e-child\" data-id=\"f8ab6c1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc65eab elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"dc65eab\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/getincome.com\/register\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Alusta investeerimist. Kuni 15% aastas. <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5672687 animated-slow e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"5672687\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58069fb elementor-widget elementor-widget-text-editor\" data-id=\"58069fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>TURVALISUSE RAAMISTIK<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a63fcd elementor-widget elementor-widget-heading\" data-id=\"9a63fcd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kaks riski. Kolm kaitsemeedet. <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a101d6 elementor-widget elementor-widget-text-editor\" data-id=\"4a101d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>P2P-platvormide investoritel on kaks erinevat riski: laenuv\u00f5tja maksej\u00f5uetus ja laenu v\u00e4ljastaja maksej\u00f5uetus. Enamik P2P-platvorme pakub vaid \u00fchte kaitsetasandit. <strong>P2P-investeeringute turvalisuse<\/strong> osas on Income ainus platvorm, mis k\u00e4sitleb m\u00f5lemat peamist investoririski spetsiaalsete mehhanismide abil.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d23a364 e-flex e-con-boxed e-con e-child\" data-id=\"d23a364\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2b7ff63 e-flex e-con-boxed e-con e-child\" data-id=\"2b7ff63\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c42d089 elementor-widget elementor-widget-spacer\" data-id=\"c42d089\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfda116 elementor-widget elementor-widget-heading\" data-id=\"bfda116\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tagasiostukohustus<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b559d3b elementor-widget elementor-widget-text-editor\" data-id=\"b559d3b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Kui laenuv\u00f5tja j\u00e4\u00e4b tagasimaksetega rohkem kui 60 p\u00e4eva hiljaks, on laenu v\u00e4ljastajal lepinguj\u00e4rgne kohustus osta laen teilt tagasi, tagastades teile kogu p\u00f5hisumma ja kogunenud intressid. See aitab v\u00e4hendada laenuv\u00f5tja maksej\u00f5uetusriski. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-240b8d4 elementor-widget elementor-widget-button\" data-id=\"240b8d4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">K\u00f5igi laenude tingimused<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa47e3 e-flex e-con-boxed e-con e-child\" data-id=\"3aa47e3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2840d1d elementor-widget elementor-widget-spacer\" data-id=\"2840d1d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee5ecdf elementor-widget elementor-widget-heading\" data-id=\"ee5ecdf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rahavoogude puhver<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d26c67f elementor-widget elementor-widget-text-editor\" data-id=\"d26c67f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Income Marketplace\u2019i eksklusiivne mehhanism. Kui laenu v\u00e4ljastaja satub ise maksej\u00f5uetusse v\u00f5i l\u00e4heb pankrotti, k\u00e4ivitub rahavoogupuhver, mille eesm\u00e4rk on tagada, et investoritele makstakse tagasi esmaj\u00e4rjekorras tagasin\u00f5utud vahenditest, enne kui laenu v\u00e4ljastaja midagi saab.   <span style=\"letter-spacing: -0.015em;\">See k\u00e4sitleb LO-ga seotud makseriski.<\/span><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-329af10 elementor-widget elementor-widget-button\" data-id=\"329af10\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ainult Income Marketplace\u2019is<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba2c54a e-flex e-con-boxed e-con e-child\" data-id=\"ba2c54a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1050c53 elementor-widget elementor-widget-spacer\" data-id=\"1050c53\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d3a674 elementor-widget elementor-widget-heading\" data-id=\"6d3a674\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Junior Share (Allutatud Osak)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7d994b elementor-widget elementor-widget-text-editor\" data-id=\"e7d994b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Igal laenuandjal on iga laenu osas osalus (juniorshare), mis on investorite n\u00f5uetele allutatud. Maksej\u00f5uetuse korral katab see osalus kahjud esimesena, mis t\u00e4hendab, et investorid on struktuuriliselt tagasimaksmise j\u00e4rjekorras esimesed, mitte ainult lubaduse p\u00f5hjal. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-248174c elementor-widget elementor-widget-button\" data-id=\"248174c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Investorid said alati esimesena oma raha tagasi<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c904666 e-flex e-con-boxed e-con e-parent\" data-id=\"c904666\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0f6e47 elementor-widget elementor-widget-text-editor\" data-id=\"a0f6e47\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>PLATVORMIDE V\u00d5RDLUS<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de63a66 elementor-widget elementor-widget-heading\" data-id=\"de63a66\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kuidas Income Marketplace paistab silma P2P-investeeringute turvalisuse osas<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-166dc1c elementor-widget elementor-widget-text-editor\" data-id=\"166dc1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Enamik P2P-platvorme piirdub \u00fche kaitsetasandiga. Income on ainus platvorm, mis k\u00e4sitleb m\u00f5lemat peamist investorite riski spetsiaalsete mehhanismide abil. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-787a69e elementor-widget elementor-widget-html\" data-id=\"787a69e\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>.im-compare-wrap {\n    width: 100%;\n    overflow-x: auto;\n    padding: 4px;\n    margin: -4px;\n    opacity: 0;\n    transform: translateY(12px);\n    transition: opacity 640ms cubic-bezier(0.25, 1, 0.5, 1),\n                transform 640ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n  .im-compare-wrap.is-visible {\n    opacity: 1;\n    transform: none;\n  }\n\n  .im-compare {\n    width: 100%;\n    border-collapse: collapse;\n    border-radius: 16px;\n    overflow: hidden;\n    border: 1.5px solid #E5E9F0;\n    background: #FFFFFF;\n    font-family: 'Open Sans', sans-serif;\n    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.im-compare tbody tr:hover td:nth-child(2) {\n    background: rgba(48,167,254,0.10) !important;\n  }\n\n  \/* \u2500\u2500 Clickable feature links in column 1 \u2500\u2500 *\/\n  .im-compare-link {\n    color: #071D2D;\n    text-decoration: none;\n    font-weight: 600;\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    transition: color 180ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n  .im-compare-link::after {\n    content: '\u2192';\n    font-size: 14px;\n    color: #30A7FE;\n    opacity: 0;\n    transform: translateX(-4px);\n    transition: opacity 180ms cubic-bezier(0.25, 1, 0.5, 1),\n                transform 180ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n  .im-compare-link:hover,\n  .im-compare tbody tr:hover .im-compare-link {\n    color: #30A7FE;\n  }\n  .im-compare-link:hover::after,\n  .im-compare tbody tr:hover .im-compare-link::after {\n    opacity: 1;\n    transform: translateX(0);\n  }\n\n  .im-compare-icon {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    margin-right: 6px;\n    vertical-align: middle;\n  }\n  .im-compare-icon svg {\n    width: 15px;\n    height: 15px;\n    stroke-width: 3;\n    fill: none;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n  }\n  .im-compare-icon.check svg { stroke: #00B6A5; }\n  .im-compare-icon.cross svg { stroke: #E74C3C; }\n\n  @media (max-width: 700px) {\n    .im-compare thead th,\n    .im-compare tbody td {\n      padding: 12px 14px;\n      font-size: 13px;\n    }\n  }\n\n  @media (prefers-reduced-motion: reduce) {\n    .im-compare-wrap {\n      opacity: 1 !important;\n      transform: none !important;\n      transition: none !important;\n    }\n    .im-compare-link::after { transition: none !important; }\n  }\n<\/style><div class=\"im-compare-wrap\"><table class=\"im-compare\"><thead><tr><th>Security feature<\/th><th>Income Marketplace<\/th><th>Typical P2P platform<\/th><\/tr><\/thead><tbody><tr><td><a class=\"im-compare-link\" href=\"#buyback\">Buyback Obligation (60-day)<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Yes, on all loans<\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Common<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#cashflow-buffer\">Protection against LO default<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Yes, via Cashflow Buffer<\/td><td><span class=\"im-compare-icon cross\"><svg viewBox=\"0 0 24 24\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg><\/span>Not on most platforms<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#cashflow-buffer\">Cashflow Buffer (structural)<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Exclusive to Income<\/td><td><span class=\"im-compare-icon cross\"><svg viewBox=\"0 0 24 24\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg><\/span>Not available<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#junior-share\">Junior Share (investors repaid first)<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Contractually subordinated<\/td><td><span class=\"im-compare-icon cross\"><svg viewBox=\"0 0 24 24\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg><\/span>\"Skin in the game\" only (equal loss)<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#due-diligence\">Independent financial due diligence per LO<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Rigorous, sets buffer level<\/td><td>Varies by platform<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#due-diligence\">Bank proof required for LO loan data<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Required (\"Sanity Check\")<\/td><td><span class=\"im-compare-icon cross\"><svg viewBox=\"0 0 24 24\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg><\/span>Rarely required<\/td><\/tr><\/tbody><\/table><\/div><script>(function() {\n  var el = document.currentScript.previousElementSibling;\n  while (el &amp;&amp; !el.classList.contains('im-compare-wrap')) {\n    el = el.previousElementSibling;\n  }\n  if (!el) return;\n  if (!('IntersectionObserver' in window)) {\n    el.classList.add('is-visible');\n    return;\n  }\n  var io = new IntersectionObserver(function(entries) {\n    entries.forEach(function(e) {\n      if (e.isIntersecting) {\n        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data-id=\"d6365f9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2fec4c0 e-con-full e-flex e-con e-child\" data-id=\"2fec4c0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1131ff4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1131ff4\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featheruser-x\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6e59aa elementor-widget elementor-widget-heading\" data-id=\"d6e59aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Laenuv\u00f5tja ei tasu makset<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebd2968 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ebd2968\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e3855c e-con-full e-flex e-con e-child\" data-id=\"7e3855c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9602b7 elementor-widget elementor-widget-heading\" data-id=\"a9602b7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1.\u201360. p\u00e4ev: makseviivitusprotsess<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-129d3d9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"129d3d9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ae23c0 e-con-full e-flex e-con e-child\" data-id=\"5ae23c0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6cba96 elementor-widget elementor-widget-heading\" data-id=\"f6cba96\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">60. p\u00e4ev ja rohkem: \u00fcletatud t\u00e4htaeg<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89a0e81 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"89a0e81\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fd2cc8 e-con-full e-flex e-con e-child\" data-id=\"7fd2cc8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-961fd5c e-flex e-con-boxed e-con e-child\" data-id=\"961fd5c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5f2864 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f5f2864\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8408b0 elementor-widget elementor-widget-heading\" data-id=\"f8408b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tagasiostukohustus j\u00f5ustub<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b942d8 e-flex e-con-boxed e-con e-child\" data-id=\"7b942d8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3cbdf elementor-widget elementor-widget-text-editor\" data-id=\"2b3cbdf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Laenu v\u00e4ljastaja peab laenu tagasi ostma<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bd8189 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0bd8189\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04d7c42 e-con-full e-flex e-con e-child\" data-id=\"04d7c42\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d141027 e-flex e-con-boxed e-con e-child\" data-id=\"d141027\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1020b2 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a1020b2\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-money-bill-alt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04ed6d1 elementor-widget elementor-widget-heading\" data-id=\"04ed6d1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Saate tagasi p\u00f5hisumma ja intressid<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6edd8fd e-flex e-con-boxed e-con e-child\" data-id=\"6edd8fd\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cf8df6 elementor-widget elementor-widget-text-editor\" data-id=\"9cf8df6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>S\u00f5ltumata laenuv\u00f5tja maksev\u00f5ime taastumisest<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03d05f4 e-flex e-con-boxed e-con e-child\" data-id=\"03d05f4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7481d31 elementor-widget elementor-widget-heading\" data-id=\"7481d31\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">1. tase \u2014 kehtib k\u00f5igi laenude puhul<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9244a6 elementor-widget elementor-widget-heading\" data-id=\"c9244a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mis on tagasiostukohustus?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b09ae18 elementor-widget elementor-widget-text-editor\" data-id=\"b09ae18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Tagasiostukohustus on lepinguline kohustus, mis kaasneb iga Income Marketplace\u2019i laenuga. Kui laenuv\u00f5tja j\u00e4tab laenu tagasimaksmise rohkem kui 60 p\u00e4eva jooksul tasumata, on laenu v\u00e4ljastajal lepinguj\u00e4rgne kohustus see laen sinult tagasi osta. <\/p>\n<p>Kui tagasiostu tingimus t\u00e4itub, saate tagasi kogu investeeritud p\u00f5hisumma koos selleks hetkeks kogunenud intressidega, s\u00f5ltumata sellest, kas algne laenuandja on laenuv\u00f5tjalt ise raha edukalt tagasi saanud.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d5de57 e-con-full e-flex e-con e-child\" data-id=\"8d5de57\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9574f9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b9574f9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featherinfo\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adcdfcf elementor-widget elementor-widget-heading\" data-id=\"adcdfcf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">See kaitseb teid riski A eest: \u00fcksiku laenuv\u00f5tja maksej\u00f5uetuse eest. Teil ei ole vaja j\u00e4lgida makseviivitusega laene ega n\u00f5uda laenusummasid sisse. Selle riski v\u00f5tab enda kanda laenu v\u00e4ljastaja.  <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d00b0bf elementor-widget elementor-widget-text-editor\" data-id=\"d00b0bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Enamik kaasaegseid P2P-platvorme pakub tagasiostugarantiid juba standardina. Income Marketplace l\u00e4heb aga veelgi kaugemale, pakkudes kaht t\u00e4iendavat kaitsetasandit, mis kaitsevad t\u00f5sisema riski eest: laenuandja enda maksej\u00f5uetuse eest. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b70375 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"1b70375\" data-element_type=\"container\" id=\"cashflow-buffer\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-674df9c e-flex e-con-boxed e-con e-child\" data-id=\"674df9c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82bd6ae elementor-widget elementor-widget-heading\" data-id=\"82bd6ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">2. kiht \u2014 ainult Income Marketplace\u2019is<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dae1c08 elementor-widget elementor-widget-heading\" data-id=\"dae1c08\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mis on rahavoogupuhver?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9771ca elementor-widget elementor-widget-text-editor\" data-id=\"e9771ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Laenu v\u00e4ljastaja maksej\u00f5uetust (risk b) ei kata enamikel platvormidel \u00fchtegi t\u00e4iendavat tagatist. See t\u00e4hendab, et kui laenu v\u00e4ljastaja ei suuda oma tagasiostukohustust t\u00e4ita v\u00f5i l\u00e4heb pankrotti, puudub investoritel mis tahes tagatis, mis tagaks neile raha tagasisaamise. <\/p>\n<p>Income Marketplace on ainus platvorm, millel on rahavoogupuhver, mis kaitseb investoreid selle riski eest.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa3b6bd e-con-full e-flex e-con e-child\" data-id=\"fa3b6bd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e82759 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5e82759\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featherinfo\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d07239a elementor-widget elementor-widget-heading\" data-id=\"d07239a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Rahavoogupuhver ei ole eraldi rahasumma. Tegemist on struktuurilise arvutusega, mis h\u00f5lmab laenuportfelli kasumlikkust, riskikorrigeerimisi ja laenuandja valduses olevat allutatud osalust. <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5375e03 elementor-widget elementor-widget-text-editor\" data-id=\"5375e03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Kui algataja satub maksej\u00f5uetusse ja Income v\u00f5tab tema portfelli \u00fcle, suunatakse kogu sellest portfellist saadav kasum koos algataja tagapoolse osalusega esmaj\u00e4rjekorras ainult investorite p\u00f5hisumma ja intresside tagasimaksmiseks. Alles p\u00e4rast seda, kui investoritele on k\u00f5ik v\u00f5lad t\u00e4ielikult tagasi makstud, kantakse allesj\u00e4\u00e4nud vahendid \u00fcle algatajale. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c89612 e-flex e-con-boxed e-con e-child\" data-id=\"9c89612\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;background_motion_fx_motion_fx_mouse&quot;:&quot;yes&quot;,&quot;background_motion_fx_mouseTrack_effect&quot;:&quot;yes&quot;,&quot;background_motion_fx_mouseTrack_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-832c036 e-con-full e-flex e-con e-child\" data-id=\"832c036\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e4215a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5e4215a\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featheruser\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e193af4 e-flex e-con-boxed e-con e-child\" data-id=\"e193af4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa1b14f elementor-widget elementor-widget-heading\" data-id=\"fa1b14f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investori osalus (nt 90%)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e8fa10 elementor-widget elementor-widget-text-editor\" data-id=\"9e8fa10\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>S\u00f5ltumata laenuv\u00f5tja maksev\u00f5ime taastumisest<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b76e75 e-con-full e-flex e-con e-child\" data-id=\"9b76e75\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a03304 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"8a03304\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9abd14a elementor-widget elementor-widget-heading\" data-id=\"9abd14a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Makse tehti esimesena<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3432502 e-con-full e-flex e-con e-child\" data-id=\"3432502\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96d9107 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"96d9107\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-building\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dafd652 e-flex e-con-boxed e-con e-child\" data-id=\"dafd652\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b19860 elementor-widget elementor-widget-heading\" data-id=\"3b19860\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Laenu v\u00e4ljastaja (noorem osanik)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b117686 elementor-widget elementor-widget-text-editor\" data-id=\"b117686\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Makse tehakse alles p\u00e4rast seda, kui investorid on oma kahju t\u00e4ielikult h\u00fcvitatud<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9740cb6 e-con-full e-flex e-con e-child\" data-id=\"9740cb6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c631a36 e-flex e-con-boxed e-con e-child\" data-id=\"c631a36\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d4e06b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2d4e06b\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featherlayers\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf5664 elementor-widget elementor-widget-heading\" data-id=\"1cf5664\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rahavoogude puhver =<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64cfa62 e-flex e-con-boxed e-con e-child\" data-id=\"64cfa62\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccdb244 elementor-widget elementor-widget-text-editor\" data-id=\"ccdb244\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Laenu kasumlikkus + riskikorrigeerimised + tagatisosa<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69eb85d e-con-full e-flex e-con e-child\" data-id=\"69eb85d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6af58d4 e-flex e-con-boxed e-con e-child\" data-id=\"6af58d4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de87289 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"de87289\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-feathershield\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c92dfcd elementor-widget elementor-widget-heading\" data-id=\"c92dfcd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kui laenuandja j\u00e4\u00e4b maksej\u00f5uetusse<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78128ae e-flex e-con-boxed e-con e-child\" data-id=\"78128ae\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02d7799 elementor-widget elementor-widget-text-editor\" data-id=\"02d7799\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Tulu l\u00e4heb portfelli. 100% kasumist ja Junior Share\u2019ist suunatakse esmaj\u00e4rjekorras investorite tagasimaksmiseks. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee80e89 e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"ee80e89\" data-element_type=\"container\" id=\"junior-share\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fa06d4e e-con-full e-flex e-con e-child\" data-id=\"fa06d4e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ff9f0a6 e-con-full e-flex e-con e-child\" data-id=\"ff9f0a6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3298c0c e-con-full e-flex e-con e-child\" data-id=\"3298c0c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a26ceb elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"8a26ceb\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featheruser\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17fb35d elementor-widget elementor-widget-heading\" data-id=\"17fb35d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investori osalus: 90%<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab7baec e-con-full e-flex e-con e-child\" data-id=\"ab7baec\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac3f65d e-transform elementor-widget elementor-widget-heading\" data-id=\"ac3f65d\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">10% LO<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f68b2bd e-con-full e-flex e-con e-child\" data-id=\"f68b2bd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a21a3ff e-con-full e-flex e-con e-child\" data-id=\"a21a3ff\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfb2b0a elementor-widget elementor-widget-heading\" data-id=\"bfb2b0a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Skin in the Game (muud platvormid)<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d67a97 elementor-widget elementor-widget-text-editor\" data-id=\"3d67a97\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>10% kuulub LO-le, kahju tekkimise t\u00f5en\u00e4osus on v\u00f5rdne. Maksej\u00f5uetuse korral jagatakse kahju proportsionaalselt nii 10% kui ka 90% osaluse vahel. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8384de4 e-con-full e-flex e-con e-child\" data-id=\"8384de4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2a7403 elementor-widget elementor-widget-heading\" data-id=\"e2a7403\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Junior Share - Allutatud osak (Income)<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b913db elementor-widget elementor-widget-text-editor\" data-id=\"3b913db\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>10% on investorile kuuluvast 90%st madalama prioriteediga. Maksej\u00f5uetuse korral makstakse esmalt tagasi 90%. 10% katab kahjumid.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae7c57c e-con-full e-flex e-con e-child\" data-id=\"ae7c57c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4c7c4ac e-con-full e-flex e-con e-child\" data-id=\"4c7c4ac\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25e560a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"25e560a\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-bolt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8258f12 elementor-widget elementor-widget-heading\" data-id=\"8258f12\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Oluline erinevus<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd0c45d e-flex e-con-boxed e-con e-child\" data-id=\"fd0c45d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da90af9 elementor-widget elementor-widget-text-editor\" data-id=\"da90af9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Junior Share ( Allutatud osak)= koosk\u00f5la ja turvalisus.<\/p>\n<p>Skin in the Game = ainult \u00fchtlustamine.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83ad829 e-flex e-con-boxed e-con e-child\" data-id=\"83ad829\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22990b0 elementor-widget elementor-widget-heading\" data-id=\"22990b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3. kiht \u2014 \u00dchtlustamine ja turvalisus\n<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad65dbd elementor-widget elementor-widget-heading\" data-id=\"ad65dbd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mis on Junior Share (Allutatud Osak)?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5028a68 elementor-widget elementor-widget-text-editor\" data-id=\"5028a68\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Paljud P2P-platvormid kasutavad p\u00f5him\u00f5tet \u201eskin in the game\u201d, mille kohaselt laenu v\u00e4ljastaja omab koos investoritega protsenti igast laenust. See \u00fchtlustab stiimuleid, kuid maksej\u00f5uetuse korral on nii laenu v\u00e4ljastaja kui ka investori osalusel v\u00f5rdne kahju tekkimise t\u00f5en\u00e4osus. <\/p>\n<p>Income Marketplace kasutab selle asemel nn \u201ejunior-aktsiat\u201d. Nimetus p\u00e4rineb v\u00f5lakapitali valdkonnast: <em>junior-v\u00f5lakirjad<\/em> on tagasimaksmise osas madalama prioriteediga kui senior-v\u00f5lakirjad. Maksej\u00f5uetuse korral makstakse junior-v\u00f5lakirjade omanikele v\u00e4lja alles p\u00e4rast seda, kui senior-v\u00f5lakirjade omanikud on saanud oma v\u00f5lad t\u00e4ielikult tagasi.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f4f7f8 e-con-full e-flex e-con e-child\" data-id=\"5f4f7f8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-480a9b9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"480a9b9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featherinfo\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f9c2c7 elementor-widget elementor-widget-heading\" data-id=\"9f9c2c7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">P2P-terminoloogias: laenuandja madalama j\u00e4rgu osalus on investorite omale allutatud. Kui laenuandja j\u00e4\u00e4b maksej\u00f5uetusse, makstakse esmalt tagasi investori osalus. Laenuandja madalama j\u00e4rgu osalus katab suurema osa kahjumist.  <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ceb121 elementor-widget elementor-widget-text-editor\" data-id=\"4ceb121\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Oluline on m\u00e4rkida, et tagatud osa ei ole riskitaseme kindel n\u00e4itaja. Income Marketplace m\u00e4\u00e4rab selle kindlaks p\u00f5hjaliku finantsanal\u00fc\u00fcsi alusel. Kui laenu kvaliteet on piisavalt k\u00f5rge, v\u00f5ib tagatud osa olla 0%, kuid investorid on tagasimaksmisel struktuuriliselt ikkagi eelistatud.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b8a1b09 e-flex e-con-boxed e-con e-parent\" data-id=\"b8a1b09\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2846252 elementor-widget elementor-widget-heading\" data-id=\"2846252\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">T\u00f5eline lahendatud n\u00e4ide<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e53e479 elementor-widget elementor-widget-heading\" data-id=\"e53e479\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mis tegelikult juhtub, kui laenu v\u00e4ljastaja j\u00e4\u00e4b oma kohustusi t\u00e4itmata?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34dce88 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"34dce88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Kasutades Income Marketplace\u2019i enda avaldatud n\u00e4idet: 1 000 laenu, \u00fcks laenuandja j\u00e4\u00e4b maksetega hiljaks. Siin on t\u00e4pselt kirjeldatud, kuidas rahavoogupuhver teid kaitsta p\u00fc\u00fcab. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bbdbdde e-grid e-con-boxed e-con e-child\" data-id=\"bbdbdde\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9414fd3 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"9414fd3\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e04fafd elementor-widget elementor-widget-heading\" data-id=\"e04fafd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1,000<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbe0eb0 elementor-widget elementor-widget-heading\" data-id=\"dbe0eb0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">LO poolt v\u00e4ljastatud laenude kogusumma<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69df8da e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"69df8da\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f7d0f elementor-widget elementor-widget-heading\" data-id=\"c2f7d0f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">800<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c36d76 elementor-widget elementor-widget-heading\" data-id=\"0c36d76\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Normaalselt teenindatavad laenud<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d24bda animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"5d24bda\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dce427e elementor-widget elementor-widget-heading\" data-id=\"dce427e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">200<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8576ef elementor-widget elementor-widget-heading\" data-id=\"c8576ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Maksetega hilinenud laenud (20%)<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c45db11 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"c45db11\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10d6bf0 elementor-widget elementor-widget-heading\" data-id=\"10d6bf0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">0<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcdaacd elementor-widget elementor-widget-heading\" data-id=\"bcdaacd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Investorite kahjumid selles stsenaariumis<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cdf808 e-grid e-con-boxed e-con e-child\" data-id=\"5cdf808\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-86befc0 im-rwe-step-card animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"86befc0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9b1eff im-step-num elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c9b1eff\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-Circle-Fill--Streamline-Bootstrap\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a212461 elementor-widget elementor-widget-heading\" data-id=\"a212461\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Laenuandja j\u00e4\u00e4b maksetega hiljaks. Tulu v\u00f5tab \u00fcle. \n<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93d5b74 elementor-widget elementor-widget-text-editor\" data-id=\"93d5b74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Income Marketplace tugineb oma kehtivatele lepingutele kohalike inkassofirmadega ja v\u00f5tab investorite nimel \u00fcle kogu 1 000 laenust koosneva portfelli.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9555c06 e-flex e-con-boxed e-con e-child\" data-id=\"9555c06\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3cfa0d5 e-con-full e-flex e-con e-child\" data-id=\"3cfa0d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4625442 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4625442\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lock\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bdab74a e-flex e-con-boxed e-con e-child\" data-id=\"bdab74a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68967bf elementor-widget elementor-widget-heading\" data-id=\"68967bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Portfell on kindlustatud<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a99ce1 animated-slow im-rwe-step-card e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"9a99ce1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cbaea22 im-step-num elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cbaea22\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-Circle-Fill--Streamline-Bootstrap1\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29df3c0 elementor-widget elementor-widget-heading\" data-id=\"29df3c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">800 tasumisel olevat laenu j\u00e4\u00e4vad endiselt tasumisele<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b709f elementor-widget elementor-widget-text-editor\" data-id=\"59b709f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>800 laenu, mille puhul laenuv\u00f5tjad tasuvad laenu \u00f5igeaegselt, j\u00e4tkuvad tavap\u00e4raselt ning laenuv\u00f5tjate tagasimaksed laekuvad investoritele graafiku kohaselt otse.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4541504 e-flex e-con-boxed e-con e-child\" data-id=\"4541504\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-220e426 e-con-full e-flex e-con e-child\" data-id=\"220e426\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec4a47e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ec4a47e\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e4db30 e-flex e-con-boxed e-con e-child\" data-id=\"4e4db30\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13b4a0e elementor-widget elementor-widget-heading\" data-id=\"13b4a0e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">800 n\u00f5uetekohaselt teenindatavat laenu<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-727fe52 animated-slow im-rwe-step-card e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"727fe52\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91a07b4 im-step-num elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"91a07b4\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-Circle-Fill--Streamline-Bootstrap4\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bc4e35 elementor-widget elementor-widget-heading\" data-id=\"8bc4e35\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Junior Share + \u00fclem\u00e4\u00e4rane kasum moodustavad 200.<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55e40f3 elementor-widget elementor-widget-text-editor\" data-id=\"55e40f3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>200 halva laenu katmiseks kasutatakse rahavoogupuhvrit: algse laenuandja tagatisosa ning k\u00f5igi 1 000 laenu \u00fclej\u00e4\u00e4v tulu suunatakse nende laenude tagasimaksmiseks algse graafiku kohaselt.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d129e8 e-flex e-con-boxed e-con e-child\" data-id=\"8d129e8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c3937f1 e-con-full e-flex e-con e-child\" data-id=\"c3937f1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee13a96 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ee13a96\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-shield-alt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00cb579 e-flex e-con-boxed e-con e-child\" data-id=\"00cb579\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c72295 elementor-widget elementor-widget-heading\" data-id=\"5c72295\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">H\u00f5lmatud on 200 laenu<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c22aed im-rwe-outcome-card animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"5c22aed\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-faaa738 elementor-position-left elementor-vertical-align-middle im-outcome-box elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"faaa738\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tS\u00fcsteem on loodud nii, et iga\u00fcks saaks oma investeeringu tagasi lihtsal ja \u00f5iglasel viisil.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNii toimib rahavoogupuhver praktikas. Peamine j\u00e4reldus: laenude 100% tagasimaksmine ei ole vajalik. Puhver on m\u00f5eldud realistliku maksej\u00f5uetuse taseme katmiseks. Income Marketplace arvutab v\u00e4lja vajaliku nooremate osakute taseme nii, et isegi stressistsenaariumite korral oleks eesm\u00e4rgiks investoritele laenude t\u00e4ielik tagasimaksmine, enne kui laenu v\u00e4ljastajale antakse luba laenude noteerimiseks.   \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9888101 e-flex e-con-boxed e-con e-parent\" data-id=\"9888101\" data-element_type=\"container\" id=\"due-diligence\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-caef08e e-con-full e-flex e-con e-child\" data-id=\"caef08e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0e65df5 e-con-full e-flex e-con e-child\" data-id=\"0e65df5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65f1d88 elementor-widget elementor-widget-heading\" data-id=\"65f1d88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">ENNE KUI MIS TAHES LAENUANDJA PLATVORMILE LISATAKSE<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76fa403 elementor-widget elementor-widget-heading\" data-id=\"76fa403\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kuidas me rahavoogupuhvrit m\u00e4\u00e4rame<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e654aca elementor-widget elementor-widget-text-editor\" data-id=\"e654aca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Rahavoogupuhvri turvalisus s\u00f5ltub t\u00e4ielikult selle aluseks olevast hoolikast kontrollist. Siin on kirjeldatud, mis toimub enne, kui laenuandjale antakse luba oma pakkumiste avaldamiseks Income Marketplace\u2019is. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-406f889 e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"406f889\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ede1b92 e-con-full e-flex e-con e-child\" data-id=\"ede1b92\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd54bf4 elementor-widget elementor-widget-html\" data-id=\"fd54bf4\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">1<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e158aa1 e-con-full e-flex e-con e-child\" data-id=\"e158aa1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32208ca elementor-widget elementor-widget-heading\" data-id=\"32208ca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Esimene koosolek juhtkonnaga<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34b6be3 elementor-widget elementor-widget-text-editor\" data-id=\"34b6be3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Income\u2019i meeskond arutab algataja toodet ning k\u00e4sitleb kahte k\u00f5ige olulisemat laenuprotsessi: laenutaotluse hindamist ja sissen\u00f5udmise metoodikat.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec87adc e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"ec87adc\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:100}\">\n\t\t<div class=\"elementor-element elementor-element-860bb35 e-con-full e-flex e-con e-child\" data-id=\"860bb35\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06d70d5 elementor-widget elementor-widget-html\" data-id=\"06d70d5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">2<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63c062d e-con-full e-flex e-con e-child\" data-id=\"63c062d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d018860 elementor-widget elementor-widget-heading\" data-id=\"d018860\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">KYC- ja AML-kontroll<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a33534 elementor-widget elementor-widget-text-editor\" data-id=\"4a33534\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Iga laenuandja ja tema aktsion\u00e4rid l\u00e4bivad p\u00f5hjaliku \u201eTunne oma klienti\u201d (KYC) ja rahapesuvastase n\u00f5uetekohase hoolsuse kontrolli, sealhulgas sanktsioonide kontrolli, poliitiliselt m\u00f5jukate isikute (PEP) kontrolli ning l\u00f5pliku tegeliku omaniku kontrolli. Me j\u00e4rgime seda standardit, et vastata nii kehtivatele kui ka eeldatavatele regulatiivsetele n\u00f5uetele. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-930eac3 e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"930eac3\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:200}\">\n\t\t<div class=\"elementor-element elementor-element-086af76 e-con-full e-flex e-con e-child\" data-id=\"086af76\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2eccec7 elementor-widget elementor-widget-html\" data-id=\"2eccec7\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">3<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-952320e e-con-full e-flex e-con e-child\" data-id=\"952320e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f05a61 elementor-widget elementor-widget-heading\" data-id=\"5f05a61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Laenuportfelli mitmem\u00f5\u00f5tmeline anal\u00fc\u00fcs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6996124 elementor-widget elementor-widget-text-editor\" data-id=\"6996124\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Laenuportfelli p\u00f5hjalik anal\u00fc\u00fcs, mille keskmes on \u201eajalooline tagasimaksekoefitsient\u201c, mis n\u00e4itab, kui palju raha portfell tegelikult toodab. Sellele j\u00e4rgneb tavaliselt mitu vooru t\u00e4iendavaid k\u00fcsimusi. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9158d40 e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"9158d40\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:300}\">\n\t\t<div class=\"elementor-element elementor-element-30bfeec e-con-full e-flex e-con e-child\" data-id=\"30bfeec\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f417ae1 elementor-widget elementor-widget-html\" data-id=\"f417ae1\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">4<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-96350e2 e-con-full e-flex e-con e-child\" data-id=\"96350e2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3348001 elementor-widget elementor-widget-heading\" data-id=\"3348001\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Finantsaruannete l\u00e4bivaatamine (2+ aastat)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b380b3 elementor-widget elementor-widget-text-editor\" data-id=\"7b380b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>P\u00f5hjalik finantsanal\u00fc\u00fcs, milles p\u00f6\u00f6ratakse erilist t\u00e4helepanu likviidsus- ja maksev\u00f5ime n\u00e4itajatele ning milles tuvastatakse varade \u00fclehinnatuse, ebapiisava omakapitali v\u00f5i maksej\u00f5uetuse riski m\u00e4rke.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a36a68c e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"a36a68c\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:400}\">\n\t\t<div class=\"elementor-element elementor-element-528fc82 e-con-full e-flex e-con e-child\" data-id=\"528fc82\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ecd0f7 elementor-widget elementor-widget-html\" data-id=\"6ecd0f7\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">5<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0024c7c e-con-full e-flex e-con e-child\" data-id=\"0024c7c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48fb689 elementor-widget elementor-widget-heading\" data-id=\"48fb689\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00d5igsuse ja t\u00e4ielikkuse kontroll<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9252559 elementor-widget elementor-widget-text-editor\" data-id=\"9252559\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Laenuandja peab esitama pangakinnituse k\u00f5igi v\u00e4ljamakstud ja laekunud rahasummade kohta, mis t\u00f5endab, et laenuportfelli andmed on tegelikud ja usaldusv\u00e4\u00e4rsed ning ei ole v\u00f5ltsitud.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7dcdcbb e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"7dcdcbb\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:500}\">\n\t\t<div class=\"elementor-element elementor-element-ed917f2 e-con-full e-flex e-con e-child\" data-id=\"ed917f2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45c6ae8 elementor-widget elementor-widget-html\" data-id=\"45c6ae8\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">6<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c4877d e-con-full e-flex e-con e-child\" data-id=\"5c4877d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0aaf9da elementor-widget elementor-widget-heading\" data-id=\"0aaf9da\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Junior Share (Allutatud Osak) on m\u00e4\u00e4ratud<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b66f25 elementor-widget elementor-widget-text-editor\" data-id=\"5b66f25\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Arvutatud tagasimaksekoefitsiendi ja k\u00f5igi tuvastatud riskide p\u00f5hjal. Junior-osa tase on iga algataja puhul individuaalne ning see on m\u00e4\u00e4ratud nii, et isegi stressistsenaariumite korral oleks eesm\u00e4rgiks investoritele t\u00e4ielik tagasimakse. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10c12c0 e-con-full e-flex e-con e-child\" data-id=\"10c12c0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12aec0e elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"12aec0e\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHOIATUSM\u00c4RGID, MIS M\u00c4\u00c4RAVAD LAENUANDJA DISKVALIFITSEERIMISE\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-640d038 elementor-align-left animated-slow elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"640d038\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Madal tagasimaksekoefitsient: laenuportfell ei too sisse piisavalt raha tegevuse toetamiseks<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Sanktsioonidega seotud risk, poliitiliselt m\u00f5jukate isikute (PEP) risk v\u00f5i algataja aktsion\u00e4ride seas olevad kontrollimatuid l\u00f5plikud tegelikud omanikud<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00dclehinnatud varad ja n\u00f5rk omakapitali seisund, mis v\u00f5ivad viidata v\u00f5imalikule maksej\u00f5uetusprobleemile<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Eba\u00f5igesti kavandatud v\u00f5i k\u00e4sitsi teostatavad protsessid, mis v\u00f5ivad p\u00f5hjustada andmevigu<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Laenuportfelli andmete ebapiisav kvaliteet<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">V\u00f5imetus esitada pangat\u00f5estust kogutud raha kohta<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Toote omadused, mis on vastuolus kohalike \u00f5igusaktidega (nt seadusega kehtestatud \u00fclempiiri \u00fcletavad intressim\u00e4\u00e4rad)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bb956e animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"6bb956e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be349d4 elementor-view-stacked elementor-position-left elementor-shape-circle elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"be349d4\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-search\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMeie hoolsuskohustuse meeskonnalt\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIncome Marketplace\u2019i finantsanal\u00fc\u00fcs\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d9e03 elementor-widget elementor-widget-heading\" data-id=\"11d9e03\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Kuidas saab kindlaks teha, et laenuandjal on \u201ehead laenud\u201c?<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37dd10a elementor-widget elementor-widget-text-editor\" data-id=\"37dd10a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00dcldiselt peab laenuandjal olema v\u00e4hemalt piisav tagasimaksekoefitsient, et tagada meie investoritele lubatud intress investeeritud rahalt.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62ba02e elementor-widget elementor-widget-heading\" data-id=\"62ba02e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Kui palju LO-sid on siiani tagasi l\u00fckatud?<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f08744 elementor-widget elementor-widget-text-editor\" data-id=\"9f08744\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Meie hoolsuskohustuse meeskond l\u00fckkas l\u00f5ppetapis tagasi vaid \u00fche taotluse, kuna tagasimaksekoefitsient oli ebapiisav ja pangakontode koosk\u00f5lastamise s\u00fcsteem puudulik, ning veel m\u00f5ned taotlused varasemates etappides. N\u00f5udmised ongi kavandatud k\u00f5rged. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd31b4 elementor-widget elementor-widget-heading\" data-id=\"8fd31b4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Kas \u201eJunior Share\u201c on k\u00f5igi algatajate puhul sama?<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36673dc elementor-widget elementor-widget-text-editor\" data-id=\"36673dc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Ei. Junior-osa m\u00e4\u00e4ramise protsess on iga laenuobjekti puhul erinev, kuna peame arvestama nii turule kui ka laenuandjale omaseid asjaolusid. Kui laenu kvaliteet on piisavalt hea, v\u00f5ib junior-osa olla 0% ja investorid on tagasimaksmisel struktuuriliselt ikkagi eelistatud.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7681b0f e-flex e-con-boxed e-con e-parent\" data-id=\"7681b0f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-176497a e-con-full e-flex e-con e-child\" data-id=\"176497a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad951b elementor-widget elementor-widget-text-editor\" data-id=\"2ad951b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>KORDUVAD K\u00dcSIMUSED<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f4e6f7 elementor-widget elementor-widget-heading\" data-id=\"1f4e6f7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Korduma kippuvad k\u00fcsimused<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35502b1 elementor-widget elementor-widget-text-editor\" data-id=\"35502b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>K\u00f5ik, mida investorid k\u00fcsivad P2P-investeeringute turvalisuse kohta Income Marketplace\u2019is.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43aebd8 e-con-full e-flex e-con e-child\" data-id=\"43aebd8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5205231 elementor-widget elementor-widget-html\" data-id=\"5205231\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"What's the difference between Junior Share and \\\"skin in the game\\\"?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\\"Skin in the game\\\" means the originator holds a share of the loan alongside you, but in a default scenario both shares have an equal likelihood of loss. The Junior Share is subordinated to your share \u2014 in a default your portion is repaid first from recovered funds, and the originator's Junior Share absorbs the losses.\"}},\n    {\"@type\":\"Question\",\"name\":\"Is the Cashflow Buffer the same as a buyback guarantee?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The Buyback Obligation addresses individual borrower default. The Cashflow Buffer addresses originator default. The Cashflow Buffer is exclusive to Income Marketplace.\"}},\n    {\"@type\":\"Question\",\"name\":\"What happens to my money if a loan originator goes bankrupt?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Income Marketplace takes over the loan portfolio and begins collection on your behalf. All proceeds \u2014 including profit from performing loans and the originator's Junior Share \u2014 are directed to repay your principal and interest first.\"}},\n    {\"@type\":\"Question\",\"name\":\"Can the Junior Share be 0%? Does that mean I'm unprotected?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A 0% Junior Share means the underlying loan quality is strong enough that the Cashflow Buffer alone is adequate. The security comes from the portfolio's own repayment capacity.\"}},\n    {\"@type\":\"Question\",\"name\":\"How does Income Marketplace decide how large the Junior Share needs to be?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It's calculated from the originator's Repayment Coefficient multiplied by all risks identified during due diligence. The level is unique to each originator and set so full investor repayment is the target, even in stressed scenarios.\"}},\n    {\"@type\":\"Question\",\"name\":\"Can I still lose money on Income Marketplace?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"All investments carry risk. The three-layer security framework significantly reduces the likelihood of investor losses, but a scenario where both the buyback mechanism fails and the Cashflow Buffer is fully exhausted could still result in losses.\"}}\n  ]\n}\n<\/script><style>.im-faq-list { width: 100%; font-family: 'Open Sans', sans-serif; }\n\n  .im-faq-item {\n    border: 1.5px solid #E5E9F0;\n    border-radius: 16px;\n    margin-bottom: 10px;\n    background: #FFFFFF;\n    overflow: hidden;\n    transition: border-color 200ms cubic-bezier(0.25, 1, 0.5, 1),\n                box-shadow 200ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n\n  .im-faq-item[open],\n  .im-faq-item:hover {\n    border-color: #30A7FE;\n    box-shadow: 0 4px 16px 1px rgba(48, 167, 254, 0.10);\n  }\n\n  .im-faq-q {\n    display: flex;\n    justify-content: space-between;\n    align-items: center;\n    gap: 16px;\n    padding: 20px 24px;\n    cursor: pointer;\n    list-style: none;\n    font-size: 17px;\n    font-weight: 700;\n    color: #071D2D;\n    line-height: 1.5;\n    user-select: none;\n  }\n\n  .im-faq-q::-webkit-details-marker { display: none; }\n  .im-faq-q::marker { display: none; }\n\n  .im-faq-icon {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .im-faq-icon::before,\n  .im-faq-icon::after {\n    content: '';\n    position: absolute;\n    background: #30A7FE;\n    border-radius: 2px;\n    transition: transform 250ms cubic-bezier(0.25, 1, 0.5, 1),\n                opacity 250ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n\n  .im-faq-icon::before { width: 12px; height: 2.5px; }\n  .im-faq-icon::after  { width: 2.5px; height: 12px; }\n\n  .im-faq-item[open] .im-faq-icon::after {\n    transform: rotate(90deg);\n    opacity: 0;\n  }\n\n  .im-faq-a {\n    padding: 0 24px;\n    max-height: 0;\n    overflow: hidden;\n    font-size: 14.5px;\n    color: #6D818F;\n    line-height: 1.7;\n    opacity: 0;\n    transition: max-height 320ms cubic-bezier(0.25, 1, 0.5, 1),\n                padding 320ms cubic-bezier(0.25, 1, 0.5, 1),\n                opacity 320ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n\n  .im-faq-item[open] .im-faq-a {\n    max-height: 800px;\n    padding: 0 24px 22px 24px;\n    opacity: 1;\n    transition: max-height 640ms cubic-bezier(0.25, 1, 0.5, 1),\n                padding 320ms cubic-bezier(0.25, 1, 0.5, 1),\n                opacity 320ms cubic-bezier(0.25, 1, 0.5, 1) 80ms;\n  }\n\n  @media (max-width: 600px) {\n    .im-faq-q { padding: 16px 18px; font-size: 14px; }\n    .im-faq-item[open] .im-faq-a { padding: 0 18px 18px 18px; font-size: 13.5px; }\n  }\n\n  @media (prefers-reduced-motion: reduce) {\n    .im-faq-item,\n    .im-faq-a,\n    .im-faq-icon::before,\n    .im-faq-icon::after {\n      transition: none !important;\n    }\n  }\n<\/style><div class=\"im-faq-list\"><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>What's the difference between Junior Share and \"skin in the game\"?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">\"Skin in the game\" means the originator holds a share of the loan alongside you, but in a default scenario, both their share and yours have an equal likelihood of loss. The Junior Share is fundamentally different: it is subordinated to your share. In a default, your portion is repaid first from any recovered funds, and the originator's Junior Share absorbs the losses. It's the difference between equal partnership in loss and structural protection for investors.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>Is the Cashflow Buffer the same as a buyback guarantee?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">No, they protect against different risks. The Buyback Obligation addresses individual borrower default: if a borrower stops paying, the originator buys the loan back from you. The Cashflow Buffer addresses originator default: if the originator itself goes bankrupt, the buffer is designed to ensure investors are still repaid first from the collected loan portfolio. Most platforms only offer a buyback guarantee. The Cashflow Buffer is exclusive to Income Marketplace.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>What happens to my money if a loan originator goes bankrupt?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">Income Marketplace takes over the loan portfolio and begins collection on your behalf using existing agreements with local collection companies. All proceeds, including profit from performing loans and the originator's Junior Share, are directed to repay your principal and interest first. Only after investors are fully repaid can any remaining funds be returned to the originator. This is the Cashflow Buffer in action.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>Can the Junior Share be 0%? Does that mean I'm unprotected?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">A 0% Junior Share doesn't mean you're unprotected. It means the quality of the underlying loans is assessed as sufficiently strong that the Cashflow Buffer is adequate without an additional Junior Share. The security comes from the loan portfolio's own repayment capacity. Income Marketplace only sets a 0% Junior Share after confirming that the portfolio's cash generation is strong enough to fully repay investors in a default scenario.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>How does Income Marketplace decide how large the Junior Share needs to be?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">It's calculated as the product of the originator's Repayment Coefficient (how much cash the loan portfolio generates) and all risks identified during due diligence, such as currency risk, market conditions, and potential crises. The process is unique to each originator. The goal is to set it at a level where full repayment of investor funds is the target, even in stressed scenarios.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>Can I still lose money on Income Marketplace?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">All investments carry risk and past performance does not guarantee future returns. While the three-layer security framework significantly reduces the likelihood of investor losses, a scenario where both the buyback mechanism fails and the Cashflow Buffer is fully exhausted could still result in losses. Income Marketplace mitigates this through rigorous originator selection and ongoing monitoring. We always recommend diversifying across multiple originators and loan types.\n    <\/div><\/details><\/div><script>(function() {\n  document.querySelectorAll('.im-faq-item').forEach(function(item) {\n    var summary = item.querySelector('.im-faq-q');\n    if (!summary) return;\n    summary.addEventListener('click', function(e) {\n      if (!item.hasAttribute('open')) return;\n      e.preventDefault();\n      var content = item.querySelector('.im-faq-a');\n      if (!content) {\n        item.removeAttribute('open');\n        return;\n      }\n      content.style.maxHeight = '0';\n      content.style.opacity = '0';\n      content.style.paddingTop = '0';\n      content.style.paddingBottom = '0';\n      setTimeout(function() {\n        item.removeAttribute('open');\n        content.style.maxHeight = '';\n        content.style.opacity = '';\n        content.style.paddingTop = '';\n        content.style.paddingBottom = '';\n      }, 320);\n    });\n  });\n})();\n<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14995e4 e-flex e-con-boxed e-con e-parent\" data-id=\"14995e4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3df9c elementor-widget elementor-widget-heading\" data-id=\"5f3df9c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kasvata oma vara samm-sammult iga investeeringuga juba t\u00e4na!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d6bb9f elementor-widget elementor-widget-text-editor\" data-id=\"0d6bb9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Alusta investeerimist laenudesse, mille tootlus ulatub kuni 15 % aastas.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83023fc e-flex e-con-boxed e-con e-child\" data-id=\"83023fc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cfc9a9 elementor-align-center e-transform elementor-widget elementor-widget-button\" data-id=\"1cfc9a9\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-2,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/getincome.com\/register\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Alusta<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2306be0 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2306be0\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/getincome.com\/statistics\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Reaalajas statistika<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>P2P-INVESTORITE TURVALISUS Kolm kaitsetaset. \u00dckski teine P2P-platvorm seda ei tee. Income Marketplace on ainus P2P-investeerimisplatvorm, millel on rahavoogupuhver \u2013 ainulaadne mehhanism, mis on loodud teie investeeringu kaitsmiseks isegi juhul, kui laenu v\u00e4ljastaja peaks pankrotti minema. Alusta investeerimist. Kuni 15% aastas. TURVALISUSE RAAMISTIK Kaks riski. Kolm kaitsemeedet. P2P-platvormide investoritel on kaks erinevat riski: laenuv\u00f5tja maksej\u00f5uetus ja [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":12708,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/getincome.com\/blog\/et\/wp-json\/wp\/v2\/pages\/13099"}],"collection":[{"href":"https:\/\/getincome.com\/blog\/et\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/getincome.com\/blog\/et\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/et\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/et\/wp-json\/wp\/v2\/comments?post=13099"}],"version-history":[{"count":1,"href":"https:\/\/getincome.com\/blog\/et\/wp-json\/wp\/v2\/pages\/13099\/revisions"}],"predecessor-version":[{"id":13100,"href":"https:\/\/getincome.com\/blog\/et\/wp-json\/wp\/v2\/pages\/13099\/revisions\/13100"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/et\/wp-json\/wp\/v2\/media\/12708"}],"wp:attachment":[{"href":"https:\/\/getincome.com\/blog\/et\/wp-json\/wp\/v2\/media?parent=13099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}