CM Advisers

CM Advisers Pte. Ltd. is peer to peer lending platform that holds a Capital Markets Services  (CMS) License issued by the Monetary Authority of Singapore (MAS). From 23 February 2019, all CMS licensed platforms are expected by MAS to publish their past 3 years' performance on loan securities. 

Rates of Return & Non - Performing Loan Rates

Historical rate of returns may not reflect what future rate of returns will be

Calculation of rates are as follows:

Rate of Return

Lowest and highest rate: Interest payments less fees and charges, divided by the loan amount, each with the respective lowest and highest annualized simple interest rates. Excluding non-performing loans.

Weighted Average: Interest payments less fees and charges, divided by the loan amount, weighted and annualized for the loans disbursed in the year

Non-Performing Loan Rate

Past 30 days but less than 90 days: Calculated as at 31 December of the year: Principal and interest payments due and unpaid for 30 days to less than 90 days within the year, divided by total outstanding principal and interest payments

Past 90 days: Calculated as at 31 December of the year: Principal and interest payments due and unpaid for more than 90 days within the year, divided by total outstanding principal and interest payments
 

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