PublicDatasetItem

A unique ID given to a loan

A unique loan number displayed in Bondora's system

Date when the loan application appeared on Primary Market

Date when the auction bidding started on

The amount of investment offers made by Portfolio Managers

The amount of investment offers made via Api

The amount of investment offers made manually

Customer's Bondora username

Did the customer have prior credit history in Bondora

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

true No prior credit history in Bondora

Date when the loan application was started

Date when the loan was issued

Date when the loan contract ended

First payment date according to initial loan schedule

Loan maturity date according to the original loan schedule

Loan maturity date as of the report generation date

Hour of signing the loan application

Weekday of signing the loan application

Method used for loan application data verification

Customer two letter language code

Age of the borrower (years)

DateOfBirth of the borrower

Borrower gender

Residency of the borrower

County of the borrower

City of the borrower

Amount applied

Amount the borrower received

Interest rate

The loan term

Estimated amount the borrower has to pay every month

Education

Employment time with the current employer

Borrower's number of existing liabilities

The total amount of liabilities after refinancing

Total monthly liabilities

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 Sunday then the payment will be made on the 11th in that month)

Whether the first payment date has been reached according to the active schedule

According to active schedule the amount of principal the investment should have received

According to active schedule the amount of interest the investment should have received

The date of the current last payment received from the borrower

How long the loan has been in Principal Debt

The date when Principal Debt occurred

How long the loan has been in Interest Debt

The date when Interest Debt occurred

Expected Loss calculated by the current Rating model

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.

Expected Return calculated by the current Rating model

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

The date when loan went into defaulted state and collection process was started

According to the current schedule, principal that is overdue

The amount of principal that was planned to be received after the default occurred

The amount of interest that was planned to be received after the default occurred

Exposure at default, outstanding principal at default

Exposure at default, loan amount less all payments prior to default

Principal recovered due to collection process from in debt loans

Interest recovered due to collection process from in debt loans

Current stage according to the recovery model 1 Collection 2 Recovery 3 Write Off

How long the current recovery stage has been active

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

Bondora Rating issued by the Rating model

Expected loss calculated by the specified version of Rating model

Bondora Rating issued by version 0 of the Rating model

Expected loss calculated by the specified version of Rating model

Bondora Rating issued by version 1 of the Rating model

Expected loss calculated by the specified version of Rating model

Bondora Rating issued by version 2 of the Rating model

If Loan was cancelled

The current status of the loan application

The original maturity date of the loan has been increased by more than 60 days

When a loan is in Principal Debt then it will be categorized by Principal Debt days

Displays the last longest period of days when the loan was in Principal Debt

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

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

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

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

Note owner received loan transfers principal amount

Note owner received loan transfers earned interest, penalties total amount

Principal that was written off on the investment

Interest that was written off on the investment

Service cost related to the recovery of the debt based on the principal of the investment

Service cost related to the recovery of the debt based on the interest and penalties of the investment

Principal that still needs to be paid by the borrower

Unpaid interest and penalties

Number of previous loans

Value of previous loans

How much the borrower had repaid before the loan

Previous early repaid amount before this loan

Previous early repaid loans before this loan

Date of the beginning of Grace period

Date of the end of Grace period

According to schedule the next date for borrower to make their payment

According to schedule the number of the next payment

According to schedule the count of scheduled payments

The date when the a new schedule was assigned to the borrower