Loan Default Risk Assessment

Checking account status < 0 DM 0 – 200 DM ≥ 200 DM no checking account

Duration (months)

Credit history no credits taken all credits paid duly (this bank) existing credits paid duly delay in past payments critical account

Purpose new car used car furniture/equipment radio/TV education business

Credit amount (DM)

Savings account < 100 DM 100 – 500 DM 500 – 1000 DM ≥ 1000 DM unknown / none

Employment length unemployed < 1 year 1 – 4 years 4 – 7 years ≥ 7 years

Installment rate (% of income)

Personal status / sex male, divorced/separated female, divorced/separated/married male, single male, married/widowed

Other debtors / guarantors none co-applicant guarantor

Residence since (years)

Property real estate building society savings / life insurance car or other unknown / none

Age

Other installment plans bank stores none

Housing rent own for free

Existing credits at this bank

Job unemployed / unskilled non-resident unskilled resident skilled employee/official management / self-employed

Number of dependents

Has telephone none yes

Foreign worker yes no