Car Sharing and Zopa.it Italy: two good practices to deal with the crisis.
Announced today a partnership between the two realities: mutual benefits for those who are part of the two communities.
Zopa.it allows people to lend money directly online, cutting out banks and finance companies and getting the most advantageous conditions. Italy Car Sharing allows you to do without all the overhead costs of private, sharing with others a veritable fleet to be used when needed.
Scopes are definitely different, but DNA is the same. A community of people, the help of technology, the ability to meet their needs in new ways, with very tangible benefits for themselves and once again on the gratification of the needs of persons of flesh and bones and the environment that surrounds. Armed with this common DNA Zopa.it Car Sharing and Italy have chosen today to 'contaminate', thanks to an agreement that provides benefits for all community members who want to 'experience' the other.
And the partnership has been further from the current economic crisis we are experiencing. Delete all the fixed costs of the private car as an option without sacrificing mobility, as well as ask for a loan with an average APR of 9.6% (against 16.16% average of the finance companies for loans of up to 5,000 euros, Source: Bank of Italy) or invest their money by lending directly to others with an average yield of 7.7% are in fact innovative practices to help cope with the crisis in an intelligent way, saving, and deprive not necessarily what you needs.
'Since our first steps we have considered Italy Car Sharing as a natural companion - said Carlo Vitali, Marketing Manager Zopa.it -. Both respond differently to needs for which traditional solutions are often more costly and inefficient. In times of crisis consumers better capture the value added of our two communities. In the ten days following the collapse of the World Bags our subscriptions grew by 65%. It is also why we have decided to join forces: to know and experience the members of our respective communities the chance of an alternative, made even more useful and concrete from the way things are '.
'We immediately accepted the proposal Zopa.it to approach our realities in an agreement for their members - says Andrea Poggio, President of Italy Car Sharing -. Like us, Zopa makes the concept of community of a key to the success of the initiative. We also have in common the fact that they are truly innovative in trying to find alternative solutions to current problems such as the sustainability of loans and mobility. We hope that this agreement between Zopa Italy and Car Sharing contributes to a wider use of both services, and facilitate the exchange of ideas between those who already knows and appreciates one of the two. "
The 'carsharisti' who now choose to become Zopiani also have a € 50 discount on the amount you must pay if the Applicants and zero for a year of commission due to Zopa.it if lenders. The Zopiani who chose to be part of Milan Car Sharing will receive a starting bonus of 25 € on the use of the car.
Zopa.it is the first social lending community in Italy that allows people to lend money directly online, bypassing the traditional intermediaries, obtaining more favorable terms and returns a human face on personal finance. The community of Zopa (Zone of Possible Agreement) is made by Applicants (borrowers, from 1,500 to 15,000 €) and lenders (lending to those who invest more, from 100 to 50,000 €) that interact directly with each other determine the rates . Zopa.it has the sole role of facilitator: creating the market and sets the rules, ensuring the efficiency and functionality of the system, evaluates the creditworthiness of applicants (A +, A, B, C), manages the transactions between the parts and always divides the amount paid from 50 other applicants to minimize the risk of lenders. The Zopa model was created in March 2005 in the United Kingdom (where it now has more than 220 thousand members). In Italy the community has opened to the public January 16, 2008 and today has about 27,000 members. The amount that people with Zopa.it have exchanged online has now surpassed the 3 million and half euros. Lombardy is in first place for number of subscribers Zopiani.
Italy Car Sharing is a viable alternative to car ownership. The use of car sharing service is not only an advantage for the user, is a big plus for the environment. Every car in car sharing replaces 5 private cars. Car sharing means fewer cars (im) mobile parked on the road, freeing up valuable space in our cities. Car sharing is sustainable for the environment but also for the customer, because abandoning the car owned by deleting all charges related thereto. Today the service has approx. 2000 users, 75 cars and 44 parcheggi distributed on Milan and its province. Car Sharing Since 2007 Italy has joined the circuit (ICS Car Sharing Initiative): subscribers to the service of Milan can use the service throughout Italy. The usage data, such as shareholders, are growing: car sharing customers traverse 45 km per month on average by about 6 hours of use.
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