Peer-to-Peer-Kredite: Eine moderne Investmentmöglichkeit F 3

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Direkte Kredite als alternative Geldanlage

Über P2P-Plattformen https://www.pearson-ga.com/2026/01/16/p2p-lending-zinsen-verdienen-steuern/ können private Anleger ihr Kapital direkt an Kreditnehmer vergeben und damit attraktive Zinsen erzielen. Dieses Verfahren ermöglicht es, die eigenen Mittel gezielt zu vergeben und potenziell höhere Erträge zu erzielen. Neben den Renditechancen ist es wichtig, die Risiken und steuerlichen Pflichten zu kennen.

P2P-Erträge und steuerliche Behandlung

Die Zinserträge aus P2P-Lending fallen unter die Kapitalertragsteuer und müssen dementsprechend versteuert werden. Die effektive Steuerlast setzt sich aus 25 % Abgeltungsteuer, Solidaritätszuschlag und möglicher Kirchensteuer zusammen. Besonders bei ausländischen P2P-Plattformen erfolgt keine automatische Steuerabführung, was die Meldung in der Steuererklärung erforderlich macht.

Anlageerträge korrekt deklarieren

Für P2P-Zinsen existiert der Sparer-Pauschbetrag, der einen Freibetrag für Kapitalerträge vorsieht. Zinserträge aus P2P-Lending werden in der Anlage KAP eingetragen und versteuert. Verluste aus ausfallenden Krediten können steuerlich geltend gemacht werden, sofern sie nachweisbar sind.

Auslandsplattformen und praktische Hinweise für Anleger

Bei ausländischen Anbietern müssen Investoren zusätzliche steuerliche Regelungen beachten. Durch internationale Quellensteuern kann sich die Steuerlast verändern, wenn ein Doppelbesteuerungsabkommen besteht. Investoren sollten alle Einnahmen und möglichen Verluste genau dokumentieren.

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