1. Rate of Return

Profit rate

2. Seniority

Job seniority (years)

3. Home

Type of home ownership

4. Time

Time of requested loan

5. Age

Client’s age

6. Marital

Marital status

7. Records

Existence of negative records

8. Job

Type of job

9. Expenses

Amount of expenses

10. Income

Amount of income

11. Assets

Amount of assets

12. Debt

Amount of debt

13. Amount

Amount requested of loan