NameDescriptionTypeAdditional information
LoanId

Unique loan identificator

globally unique identifier

None.

AuctionId

Unique auction identificator

globally unique identifier

None.

LoanNumber

Number of the loan

integer

None.

UserName

Customer's Bondora username

string

None.

NewCreditCustomer

Did the customer have prior credit history in Bondora

0 Customer had at least 3 months of credit history in Bondora

1 No prior credit history in Bondora

integer

None.

LoanApplicationStartedDate

Date when the loan application was started

date

None.

PlannedCloseDate

Date and time when the auction is closed, if it's not funded 100% before that. Auction will be closed before that, if auction is funded 100%.

date

None.

ApplicationSignedHour

Hour of signing the loan application

integer

None.

ApplicationSignedWeekday

Weekday of signing the loan application

integer

None.

VerificationType

Verification type

IncomeVerificationStatus

None.

LanguageCode

Two letter language code

LanguageCode

None.

Age

Age of the borrower (years)

integer

None.

DateOfBirth

Borrower's date of birth

date

None.

Gender

Gender

Sex

None.

Country

Residency of the borrower

string

None.

CreditScoreEsMicroL

A score that is specifically designed for risk classifying subprime borrowers (defined by Equifax as borrowers that do not have access to bank loans). A measure of the probability of default one month ahead.

The score is given on a 10-grade scale, from the best score to the worst:

M1, M2, M3, M4, M5, M6, M7, M8, M9, M10

string

None.

CreditScoreEsEquifaxRisk

Generic score for the loan applicants that do not have active past due operations in ASNEF. A measure of the probability of default one year ahead. The score is given on a 6-grade scale.

AAA Very low

AA Low

A Average

B Average High

C High

D Very High

string

None.

CreditScoreFiAsiakasTietoRiskGrade

Credit Scoring model for Finnish Asiakastieto

RL1 Very low risk 01-20

RL2 Low risk 21-40

RL3 Average risk 41-60

RL4 Big risk 61-80

RL5 Huge risk 81-100

string

None.

CreditScoreEeMini

Credit scoring for Estonian loans

1000 No previous payments problems

900 Payments problems finished 24-36 months ago

800 Payments problems finished 12-24 months ago

700 Payments problems finished 6-12 months ago

600 Payment problems finished <6 months ago

500 Active payment problems

string

None.

AppliedAmount

The amount borrower applied for originally

decimal number

None.

Interest

Maximum interest rate accepted in the loan application

decimal number

None.

LoanDuration

The loan term

integer

None.

County

County of the borrower

string

None.

City

City of the borrower

string

None.

Education

Education

Education

None.

EmploymentDurationCurrentEmployer

Employment time with the current employer

string

None.

HomeOwnershipType

Type of home ownership

HomeOwnershipType

None.

IncomeTotal

Total income

decimal number

None.

MonthlyPayment

Loan monthly payment amount.

decimal number

None.

MonthlyPaymentDay

The day of the month the loan payments are scheduled for. The actual date is adjusted for weekends and bank holidays. E.g. if 10th is a Sunday then the payment will be made on the 11th in that month.

integer

None.

ModelVersion

The version of the Rating model used for issuing the Bondora Rating

integer

None.

ExpectedLoss

Expected Loss calculated by the Rating model

decimal number

None.

Rating

Bondora Rating issued by the Rating model

string

None.

LossGivenDefault

Gives the percentage of outstanding exposure at the time of default that an investor is likely to lose if a loan actually defaults. This means the proportion of funds lost for the investor after all expected recovery and accounting for the time value of the money recovered. In general, LGD parameter is intended to be estimated based on the historical recoveries. However, in new markets where limited experience does not allow us more precise loss given default estimates, a LGD of 90% is assumed.

decimal number

None.

ProbabilityOfDefault

Probability of Default, refers to a loan’s probability of default within one year horizon.

decimal number

None.

ExpectedReturnAlpha

Expected return alpha

decimal number

None.

LiabilitiesTotal

Total liabilities

decimal number

None.

ListedOnUTC

Date when auction was published

date

None.

ActualCloseDate

Date and time when the auction was actually closed. Is null, if auction is active.

date

None.

WinningBidsAmount

The amount that auction is fulfilled, taken amount only bids where investors have enough funds. This is preliminary calculated amount and can change when trying to close auction (auction is closed, when auction is funded 100% or PlannedCloseDate is reached) and specific investor(s) do not have enough funds.

decimal number

None.

RemainingAmount

The amount that is remaining to be funded (AppliedAmount - WinningBidsAmount).

decimal number

None.

UserBids

How many bids current user has bidden into the auction

integer

None.

UserBidAmount

How much current user has bidden into the auction

decimal number

None.

Fullfilled

Precentage, how much the auction is fulfilled. Can be more than 100%, if overfunded.

decimal number

None.

CreditScore

1000 No previous payments problems

900 Payments problems finished 24-36 months ago

800 Payments problems finished 12-24 months ago

700 Payments problems finished 6-12 months ago

600 Payment problems finished <6 months ago

500 Active payment problems

integer

Obsolete: Not used actively anymore

None.

ScoringDate

Date when the Rating was calculated for this loan

date

Obsolete: Not used actively anymore

None.

UseOfLoan

Use of loan

Only Value for new Auctions since 1st of june 2017 is -1 (NotUsed)

AuctionPurpose

Obsolete: Not used actively anymore

None.

MaritalStatus

Marital status

Only Value for new Auctions since 1st of june 2017 is -1 (NotUsed)

MaritalStatus

Obsolete: Not used actively anymore

None.

NrOfDependants

Number of children or other dependants

Only Value for new Auctions since 1st of june 2017 is NULL

string

Obsolete: Not used actively anymore

None.

EmploymentStatus

Employment status

Only Value for new Auctions since 1st of june 2017 is -1 (NotUsed)

EmploymentStatus

Obsolete: Not used actively anymore

None.

EmploymentPosition

Employment position

Only Value for new Auctions since 1st of june 2017 is NULL

string

Obsolete: Not used actively anymore

None.

WorkExperience

Work experience in total

Only Value for new Auctions since 1st of june 2017 is NULL

string

Obsolete: Not used actively anymore

None.

OccupationArea

Occupation area

Only Value for new Auctions since 1st of june 2017 is -1 (NotUsed)

OccupationArea

Obsolete: Not used actively anymore

None.

IncomeFromPrincipalEmployer

Salary

Only Value for new Auctions since 1st of june 2017 is 0

decimal number

Obsolete: Not used actively anymore

None.

IncomeFromPension

Pension

Only Value for new Auctions since 1st of june 2017 is 0

decimal number

Obsolete: Not used actively anymore

None.

IncomeFromFamilyAllowance

Family allowance

Only Value for new Auctions since 1st of june 2017 is 0

decimal number

Obsolete: Not used actively anymore

None.

IncomeFromSocialWelfare

Social welfare

Only Value for new Auctions since 1st of june 2017 is 0

decimal number

Obsolete: Not used actively anymore

None.

IncomeFromLeavePay

Leave pay

Only Value for new Auctions since 1st of june 2017 is 0

decimal number

Obsolete: Not used actively anymore

None.

IncomeFromChildSupport

Child support

Only Value for new Auctions since 1st of june 2017 is 0

decimal number

Obsolete: Not used actively anymore

None.

IncomeOther

Other income

Only Value for new Auctions since 1st of june 2017 is 0

decimal number

Obsolete: Not used actively anymore

None.

FreeCash

Discretionary Income

Only Value for new Auctions since 1st of june 2017 is 0

decimal number

Obsolete: Not used actively anymore

None.

DebtToIncome

Debt to income ratio

Only Value for new Auctions since 1st of june 2017 is 0

decimal number

Obsolete: Not used actively anymore

None.

EADRate

Exposure at Default (expressed as a percentage of the original loan amount), indicates outstanding investor exposure at the time of default, including outstanding principal amount plus accrued but unpaid interests.

decimal number

Obsolete: Not used actively anymore

None.

MaturityFactor

Maturity Factor M of 1.3 is assumed for loans with duration exceeding one year.

decimal number

Obsolete: Not used actively anymore

None.

InterestRateAlpha

Interest rate alpha

decimal number

Obsolete: Not used actively anymore

None.