Swaper’s Loyalty Bonus

How the loyalty bonus works, who qualifies for it, and how it can enhance returns for long-term users.

Purchasing loan claim rights on SWAPER is somewhat of a marvel. You see, not only you get a stupendous return on your money of 14% per year from the get-go. You also are entitled to receive an additional 2% of interest on top of that, taking your overall interest to 16% pa.

All you have to do is complete these three simple prerequisites:

• Be a SWAPER user;
• Have your user account be in the amount of at least €25,000 for at least three consecutive months;
• Maintain the value of your account at this amount or higher to keep the loyalty bonus.

For example, you are entitled to fund your SWAPER account for the amount stated above from the very first day. This way, your first month will count towards your loyalty bonus. In three months from the date of the account reaching this value, you will be credited an additional 2% of interest towards all future loan claim right purchases with SWAPER, SW Finance and Wandoo Finance Group.

Take care to maintain the account value, however, since at the end of each month, the system will perform a conformance check and revoke your loyalty bonus if your user account value falls below the required threshold.

 

Why should you care for the loyalty bonus?

A fair question, especially considering the generous 14% ROI you already have on your SWAPER account. But, since you already are a SWAPER user, it’s also fair to assume that you take your finances very seriously. Which brings us to the fact that 2% of additional interest that will bring your overall interest to 16% for all future loan claim right purchases is non-negotiable – you absolutely need to qualify for the SWAPER loyalty bonus.

A simple math problem should erase all your doubts. Below, you can see the potential impact of the increased interest rate:

 

 

As you can see in the table above, having mere 2% of additional yearly interest can quickly add up. After 5 years, your initial portfolio would have grown by almost 8.5% or €874 more, if you had qualified for the loyalty bonus.

If you look even further down the road, and consider maintaining this portfolio over the period of 10 years, you will have €22,057 with the loyalty bonus as opposed to €18,536 without the standard interest, making for a difference of €3,521. You want more? How about €97,303 to €68,717 over the span of 20 years, for the astronomical difference of €28,586?! We can go on and on, the only thing that will change is the near-geometrical increase in return on your money over the years.

And then, if you consider the fact that an opportunity as good as this calls for regular addition of funds, the comparison between the standard SWAPER interest and the interest with the loyalty bonus is guaranteed to take you to the moon!

As always, it’s entirely up to you – but simple math suggests you do all you can to acquire the SWAPER loyalty bonus and then hold on to it for as long as possible. 

You can start your account today, from as little as €10!