Leasing Loan Portfolio Voting for options to get the pending money back

Hola buenos días,

Para aquellos que habéis invertido en el proyecto de referencia, se avecina una encuesta que se publicará el 22/12 para que decidamos como queremos cobrar intereses y capital pendiente. Estas son las opciones:

2020-12-18
Message from the Borrowers newsletter: "Here is where we currently stand with the project: Project CRP-2818 “Leasing Loan Portfolio” with a funded amount of 550 000 EUR - we have covered 30 000 EUR of principal and 53 676 EUR of interests, which means that 520 000 EUR of principal is left to be repaid. We see that there is no possibility to pay back the loan in full amount in the current schedule. There are two feasible options for moving forward:
1) According to the existing results, the estimated amount of monthly payments from our consumer loan portfolio is 9 000 EUR for project CRP-2818 “Leasing Loan Portfolio. This would take place until market conditions improve and we can intensify collection activities. In this regard, we would like to extend the loan term for at least 24 months and make repayments to investors calculating a reduced interest rate for the extended period in the amount of 8% per year for the remaining part of the principal. In case the situation improves, we will pay back according to the initial schedule.

2) To exit this position now by selling the remaining portfolio to another debt collection agency according to the submitted quote - 262 500 EUR which would mean that 62,9% of the total principal would be repaid. This would mean repaying 95 628 EUR in the first month and 168 872 EUR in the following 6 months with equal payments of 28 145,33 EUR per month. Hereby we are asking investors to decide by a vote which of the above-mentioned actions would be preferable for each of you to take." In the voting,

CROWDESTOR will also put a 3rd option - Borrower pays a reduced part of the principal and prolongation will be considered only when the final principal payments are due. Please be informed that voting will be announced on the platform on 22.12.2020

Por favor, me podéis dar vuestras opiniones sobre cual consideráis que es la mejor opción?. Yo por mi parte me decanto por la 2ª opcion, ya que la 1ª supone esperar 24 meses o mas para recuperar lo invertido e intereses.

Opcion 1 ni locos.

Duda entre opcion 2 y opción 3. Lo suyo es la 3, que vaya pagando según el calendario acordado y cuando no pueda pagar el principal ya hablaremos de refinanciar el principal pero no ahora.

Gracias por la ayuda.