最有看点的互联网乐天堂娱乐门户

最有看点的互联网乐天堂娱乐门户
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CommonBond上线全新借贷产品 实现高等教育用户群全覆盖

近日,美国助学金贷款平台CommonBond宣布,公司将针对全美的本科生和研究生推出全新的借贷产品。CommonBond此前的用户群体主要以美国名校的MBA 学生和毕业生为主,平台的目标就是为他们提供比联邦学生贷款利率更低的贷款。而随着此次新产品的推出,CommonBond将成为美国首家覆盖各阶段学生用户群的助学贷款平台。

据了解,新上线的学生贷款的年度可变利率大约为2.87%,固定利率大约维持在5.50%,同时,平台为借款人提供了多种还款方式。

此外,CommonBond还上线了“儿童助学”项目。每发放一笔贷款,平台就将为贫困儿童捐赠一定数量的资金,为他们提供受教育的机会。

CommonBond推出的类似门户网站的贷款利率比较功能也成为了该平台的一大亮点。学生用户可以登录CommonBond网站,随时查看各类助学金平台的利率变动情况。

迄今为止,这家总部位于纽约的助学贷款平台已经发放了超过10亿美元的学生贷款,贷款范围也从最初的20所扩展到2000所高校,当然为了降低违约风险,借款者依旧必须是热门的专业的在校生或者毕业生;包括MBA、工程学、会计学、法学、医学等。去年10月,CommonBond开启的总额超过1.68亿美元的贷款证券化项目也获得了来自评级机构的A1级评级。

公司创始人兼首席执行官David Klein表示,随着美国受到高等教育的人数逐渐增加,CommonBond致力于帮助那些因为资金问题而放弃受教育机会的学生。

去年下半年,CommonBond收购了一家叫Gradible的公司。Gradible是一家专注于帮助学生管理学生贷款的个人乐天堂娱乐平台公司。此次收购扩大了CommonBond的业务。

与CommonBond的发展战略不同,作为其在美国助学借贷市场的最大竞争对手,SoFi的借贷利率则相对较低。目前为止,SoFi发放学生贷款金额超过150亿美元,除学生贷款外,该平台还涉猎了消费贷款、抵押贷款和保险等领域。

CommonBond adds in-school loans for undergraduates and graduates.

CommonBond, one of the largest online lenders in the US, has launched new loans products, and now claims to be the first firm in the country to offer a full suite of student loans solutions.

CommonBond will now lend to undergraduates and graduates, where previously its in-school funding options were only available to MBA students. Its products now span loans for current students, refinancing options for graduates and employer student loan benefits.

The firm acquired student debt management platform Gradible last summer, paving the way for its entry into the employee benefit market.

The newly launched in-school loans carry variable rates starting at 2.87 per cent APR and fixed rates starting at 5.50 per cent APR, and come with a range of repayment options. There’s a social twist too: for every loan funded by the platform, CommonBond also funds the education of a child in need, via a partnership with Pencils of Promise.

In tandem to launching the news loans, CommonBond is introducing a new interactive tool that helps prospective students borrowers to compare the long-term financial impact of different loan products.

“With the price of higher education increasing every year, it’s really important that students, and their parents, get the resources that they need to make informed financial choices,” said David Klein (pictured), founder and CEO of CommonBond.

CommonBond has funded over $1bn in student loans to date, fuelled by a prolific securitisation programme. The firm clinched an A1 rating for a $168m securitisation in October of last year – its highest rating yet.

SoFi, perhaps CommonBond’s most direct competitor, has lent around $15bn to date. But SoFi offers a broader range of products, including student loans, but also consumer loans, mortgages and insurance.


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