| Name | Description | Type | Additional information |
|---|---|---|---|
| Liabilities |
Borrower's liabilities |
Collection of Liability |
None. |
| Debts |
Borrower's debts |
Collection of Debt |
None. |
| BorrowerHistory |
Borrower's history |
BorrowerHistory |
None. |
| 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
|
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:
|
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.
|
string |
None. |
| CreditScoreFiAsiakasTietoRiskGrade |
Credit Scoring model for Finnish Asiakastieto
|
string |
None. |
| CreditScoreEeMini |
Credit scoring for Estonian loans
|
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 |
Obsolete: Not used actively anymore |
| 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 |
Obsolete: Not used actively anymore |
| 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 |
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 |
decimal number |
None. |
| RemainingAmount |
The amount that is remaining to be funded ( |
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 |
|
integer |
Obsolete: Not used actively anymore |
| ScoringDate |
Date when the Rating was calculated for this loan |
date |
Obsolete: Not used actively anymore |
| UseOfLoan |
Use of loan Only Value for new Auctions since 1st of june 2017 is |
AuctionPurpose |
Obsolete: Not used actively anymore |
| MaritalStatus |
Marital status Only Value for new Auctions since 1st of june 2017 is |
MaritalStatus |
Obsolete: Not used actively anymore |
| NrOfDependants |
Number of children or other dependants Only Value for new Auctions since 1st of june 2017 is |
string |
Obsolete: Not used actively anymore |
| EmploymentStatus |
Employment status Only Value for new Auctions since 1st of june 2017 is |
EmploymentStatus |
Obsolete: Not used actively anymore |
| EmploymentPosition |
Employment position Only Value for new Auctions since 1st of june 2017 is |
string |
Obsolete: Not used actively anymore |
| WorkExperience |
Work experience in total Only Value for new Auctions since 1st of june 2017 is |
string |
Obsolete: Not used actively anymore |
| OccupationArea |
Occupation area Only Value for new Auctions since 1st of june 2017 is |
OccupationArea |
Obsolete: Not used actively anymore |
| IncomeFromPrincipalEmployer |
Salary Only Value for new Auctions since 1st of june 2017 is |
decimal number |
Obsolete: Not used actively anymore |
| IncomeFromPension |
Pension Only Value for new Auctions since 1st of june 2017 is |
decimal number |
Obsolete: Not used actively anymore |
| IncomeFromFamilyAllowance |
Family allowance Only Value for new Auctions since 1st of june 2017 is |
decimal number |
Obsolete: Not used actively anymore |
| IncomeFromSocialWelfare |
Social welfare Only Value for new Auctions since 1st of june 2017 is |
decimal number |
Obsolete: Not used actively anymore |
| IncomeFromLeavePay |
Leave pay Only Value for new Auctions since 1st of june 2017 is |
decimal number |
Obsolete: Not used actively anymore |
| IncomeFromChildSupport |
Child support Only Value for new Auctions since 1st of june 2017 is |
decimal number |
Obsolete: Not used actively anymore |
| IncomeOther |
Other income Only Value for new Auctions since 1st of june 2017 is |
decimal number |
Obsolete: Not used actively anymore |
| FreeCash |
Discretionary Income Only Value for new Auctions since 1st of june 2017 is |
decimal number |
Obsolete: Not used actively anymore |
| DebtToIncome |
Debt to income ratio Only Value for new Auctions since 1st of june 2017 is |
decimal number |
Obsolete: Not used actively anymore |
| 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 |
| MaturityFactor |
Maturity Factor M of 1.3 is assumed for loans with duration exceeding one year. |
decimal number |
Obsolete: Not used actively anymore |
| InterestRateAlpha |
Interest rate alpha |
decimal number |
Obsolete: Not used actively anymore |