| liabilities |
\CedricZiel\OpenAPI\BondoraPHP\Model\Liability[] |
Borrower's liabilities |
[optional] |
| debts |
\CedricZiel\OpenAPI\BondoraPHP\Model\Debt[] |
Borrower's debts |
[optional] |
| borrowerHistory |
\CedricZiel\OpenAPI\BondoraPHP\Model\BorrowerHistory |
|
[optional] |
| loanId |
string |
Unique loan identificator |
[optional] |
| auctionId |
string |
Unique auction identificator |
[optional] |
| loanNumber |
int |
Number of the loan |
[optional] |
| userName |
string |
Customer's Bondora username |
[optional] |
| newCreditCustomer |
int |
Did the customer have prior credit history in Bondora <para>0 Customer had at least 3 months of credit history in Bondora</para><para>1 No prior credit history in Bondora</para> |
[optional] |
| loanApplicationStartedDate |
\DateTime |
Date when the loan application was started |
[optional] |
| plannedCloseDate |
\DateTime |
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%. |
[optional] |
| applicationSignedHour |
int |
Hour of signing the loan application |
[optional] |
| applicationSignedWeekday |
int |
Weekday of signing the loan application |
[optional] |
| verificationType |
int |
Verification type |
[optional] |
| languageCode |
int |
Two letter language code |
[optional] |
| age |
int |
Age of the borrower (years) |
[optional] |
| dateOfBirth |
\DateTime |
Borrower's date of birth |
[optional] |
| gender |
int |
Gender |
[optional] |
| country |
string |
Residency of the borrower |
[optional] |
| creditScoreEsMicroL |
string |
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. <para>The score is given on a 10-grade scale, from the best score to the worst:</para><para>M1, M2, M3, M4, M5, M6, M7, M8, M9, M10</para> |
[optional] |
| creditScoreEsEquifaxRisk |
string |
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. <para>AAA Very low</para><para>AA Low</para><para>A Average</para><para>B Average High</para><para>C High</para><para>D Very High</para> |
[optional] |
| creditScoreFiAsiakasTietoRiskGrade |
string |
Credit Scoring model for Finnish Asiakastieto <para>RL1 Very low risk 01-20</para><para>RL2 Low risk 21-40</para><para>RL3 Average risk 41-60</para><para>RL4 Big risk 61-80</para><para>RL5 Huge risk 81-100</para> |
[optional] |
| creditScoreEeMini |
string |
Credit scoring for Estonian loans <para>1000 No previous payments problems</para><para>900 Payments problems finished 24-36 months ago</para><para>800 Payments problems finished 12-24 months ago</para><para>700 Payments problems finished 6-12 months ago</para><para>600 Payment problems finished <6 months ago</para><para>500 Active payment problems</para> |
[optional] |
| appliedAmount |
double |
The amount borrower applied for originally |
[optional] |
| interest |
double |
Maximum interest rate accepted in the loan application |
[optional] |
| loanDuration |
int |
The loan term |
[optional] |
| county |
string |
County of the borrower |
[optional] |
| city |
string |
City of the borrower |
[optional] |
| education |
int |
Education |
[optional] |
| employmentDurationCurrentEmployer |
string |
Employment time with the current employer |
[optional] |
| homeOwnershipType |
int |
Type of home ownership |
[optional] |
| incomeTotal |
double |
Total income |
[optional] |
| monthlyPayment |
double |
Loan monthly payment amount. |
[optional] |
| monthlyPaymentDay |
int |
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. |
[optional] |
| modelVersion |
int |
The version of the Rating model used for issuing the Bondora Rating |
[optional] |
| expectedLoss |
double |
Expected Loss calculated by the Rating model |
[optional] |
| rating |
string |
Bondora Rating issued by the Rating model |
[optional] |
| lossGivenDefault |
double |
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. |
[optional] |
| probabilityOfDefault |
double |
Probability of Default, refers to a loan’s probability of default within one year horizon. |
[optional] |
| expectedReturnAlpha |
double |
Expected return alpha |
[optional] |
| liabilitiesTotal |
double |
Total liabilities |
[optional] |
| listedOnUTC |
\DateTime |
Date when auction was published |
[optional] |
| actualCloseDate |
\DateTime |
Date and time when the auction was actually closed. Is null, if auction is active. |
[optional] |
| winningBidsAmount |
double |
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. |
[optional] |
| remainingAmount |
double |
The amount that is remaining to be funded (AppliedAmount - WinningBidsAmount). |
[optional] |
| userBids |
int |
How many bids current user has bidden into the auction |
[optional] |
| userBidAmount |
double |
How much current user has bidden into the auction |
[optional] |
| fullfilled |
double |
Precentage, how much the auction is fulfilled. Can be more than 100%, if overfunded. |
[optional] |
| creditScore |
int |
<para> 1000 No previous payments problems</para> <para> 900 Payments problems finished 24-36 months ago</para> <para> 800 Payments problems finished 12-24 months ago</para> <para> 700 Payments problems finished 6-12 months ago</para> <para> 600 Payment problems finished <6 months ago</para> <para> 500 Active payment problems</para> |
[optional] |
| scoringDate |
\DateTime |
Date when the Rating was calculated for this loan |
[optional] |
| useOfLoan |
int |
Use of loan <para>Only Value for new Auctions since 1st of june 2017 is -1 (NotUsed)</para> |
[optional] |
| maritalStatus |
int |
Marital status <para>Only Value for new Auctions since 1st of june 2017 is -1 (NotUsed)</para> |
[optional] |
| nrOfDependants |
string |
Number of children or other dependants <para>Only Value for new Auctions since 1st of june 2017 is NULL</para> |
[optional] |
| employmentStatus |
int |
Employment status <para>Only Value for new Auctions since 1st of june 2017 is -1 (NotUsed)</para> |
[optional] |
| employmentPosition |
string |
Employment position <para>Only Value for new Auctions since 1st of june 2017 is NULL</para> |
[optional] |
| workExperience |
string |
Work experience in total <para>Only Value for new Auctions since 1st of june 2017 is NULL</para> |
[optional] |
| occupationArea |
int |
Occupation area <para>Only Value for new Auctions since 1st of june 2017 is -1 (NotUsed)</para> |
[optional] |
| incomeFromPrincipalEmployer |
double |
Salary <para>Only Value for new Auctions since 1st of june 2017 is 0</para> |
[optional] |
| incomeFromPension |
double |
Pension <para>Only Value for new Auctions since 1st of june 2017 is 0</para> |
[optional] |
| incomeFromFamilyAllowance |
double |
Family allowance <para>Only Value for new Auctions since 1st of june 2017 is 0</para> |
[optional] |
| incomeFromSocialWelfare |
double |
Social welfare <para>Only Value for new Auctions since 1st of june 2017 is 0</para> |
[optional] |
| incomeFromLeavePay |
double |
Leave pay <para>Only Value for new Auctions since 1st of june 2017 is 0</para> |
[optional] |
| incomeFromChildSupport |
double |
Child support <para>Only Value for new Auctions since 1st of june 2017 is 0</para> |
[optional] |
| incomeOther |
double |
Other income <para>Only Value for new Auctions since 1st of june 2017 is 0</para> |
[optional] |
| freeCash |
double |
Discretionary Income <para>Only Value for new Auctions since 1st of june 2017 is 0</para> |
[optional] |
| debtToIncome |
double |
Debt to income ratio <para>Only Value for new Auctions since 1st of june 2017 is 0</para> |
[optional] |
| eADRate |
double |
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. |
[optional] |
| maturityFactor |
double |
Maturity Factor M of 1.3 is assumed for loans with duration exceeding one year. |
[optional] |
| interestRateAlpha |
double |
Interest rate alpha |
[optional] |