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Why do I have negative interest?

When you buy a loan part from another investor, you will pay the seller for the outstanding loan amount plus any interest that has accrued since the last repayment. This accrued interest will be deducted from your interest earnings and show as negative interest. Your Summary page will show these cash movements in and out of your account.

On the next repayment date for that loan part, you will receive the entire accrued interest for that month. You will then be left with the difference between the negative interest and the interest for the full month. This means that both the buyer and seller receive interest for each day they held the loan part for.

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