Loan book data export enables lenders to download all data that is not protected by the data protection laws about all loans provided via FinBee. Loan book data is refreshed daily at 6:00 AM Prague time, so here you will always be able to find the data that is up to date.
| Column name | Explanation |
|---|---|
| listing_id | A unique number given to all loans. |
| creation_date | The time when a borrower applied for a loan. |
| loan_paid_date | The time when the loan was disbursed to a borrower. |
| first_installement_date | First payment date according to initial loan schedule. |
| loan_paid_status | Loan disbursal status (1 – loan disbursed, 0 – loan not disbursed). |
| confirm_status | Loan status (1 – loan request has been accepted by a borrower, 3 – loan has been fully repaid). |
| username | Username of a borrower. |
| listing_title | A unique loan listing title. |
| listing_category | Loan purpose. |
| credit_score | Credit score of a borrower. |
| job_loss_insurance | In case a borrower loses his job involuntary ADB “Gjensidige” will pay up to 6 monthly loan installments for FinBee in the name of this borrower (1 – a loan has an active insurance policy, 0 – there is no active insurance policy for this loan). |
| loan_amount | Original loan amount. |
| loan_period | Loan term in months. |
| effective_rate | Annual interest rate paid by a borrower to lenders. |
| preferred_rate | Target rate of a borrower. |
| amount_outstanding | Loan amount outstanding as of today. |
| monthly_installment | Monthly loan installment. |
| principal_repaid | Total amount of principal repaid by a borrower. |
| interest_paid | Total amount of interest paid by a borrower. |
| arrears | Total amount of all late payments. |
| loan_status | Loan status (ok – there are no missed payments, late – one loan repayment has been missed, arrears – two loan instalment have been missed, default – three or more loan installment have been missed). |
| type | Type of the loan market (B – bidding market). |
| gender | Gender of a borrower. |
| post_town | Home town of a borrower. |
| age | Age of a borrower. |
| education | Education of a borrower. |
| employment_status | Employment status of a borrower at the time of loan request approval. |
| occupation | Occupation of a borrower at the time of loan request approval. |
| employ_how_long | Number of months a borrower is employed at current employer. |
| years_working_in_total | Total amount of years a borrower has been employed during his lifetime. |
| dependants | Number of dependents who are less than 18 years old. |
| marital_status | Marital status of a borrower. |
| credit_check_date | The time when the credit referencing was done. |
| monthly_income | Monthly income of a borrower. In case a borrower is married monthly income include income of his/her spouse. |
| monthly_expenses | Monthly instalments of other existing loans of a borrower. In case a borrower is married monthly expenses include expenses of his/her spouse. |
| available_income | Available income is calculated as monthly income – monthly expenses. |
| dti | Debt-to-income ratio is calculated using formula: payment of new and existing loans / available monthly income. |
| outstanding_debts | Outstanding bad debt to any creditor, utility, telecommunication services provider, etc. that has been reported to credit bureau. |
| last_debt_date | The time when the last bad debt was registered by any creditor, utility, telecommunication services provider, etc. that has been reported to credit bureau. |