Loan types

Loan types in NinjaLender

In NinjaLender, all applications are divided into types, depending on the type of loan that the borrower wishes to receive. Each type has its own set of default requisites, its own threshold of "freshness". The presence of the auction stage depending on the threshold of "freshness" (rate of obsolescence). Example: A mortgage application may be pending a long time and can be considered fresh for quite a long time compared to PayDayLoan. Therefore, the mortgage has a higher freshness threshold and it will have the “Auction” stage included.

In NinjaLender, all applications are divided into types, depending on the type of loan that the borrower wishes to receive. Each type has its own set of default requisites, its own threshold of "freshness". The presence of the auction stage depending on the threshold of "freshness" (rate of obsolescence). Example: A mortgage application may be pending a long time and can be considered fresh for quite a long time compared to PayDayLoan. Therefore, the mortgage has a higher freshness threshold and it will have the “Auction” stage included.:

Name	Description	Default requisites	Is auction enabled
SSE Loan		company_name company_reg_date company_phone company_address company_contact_person company_reg_no company_email	+
Consumer Loan		borrower_first_name borrower_last_name borrower_phone borrower_address borrower_monthly_income_amount borrower_monthly_income_source borrower_personal_code borrower_email	-
Quick Loan		borrower_first_name borrower_last_name borrower_phone borrower_address borrower_monthly_income_amount borrower_monthly_income_source borrower_monthly_credit_commitments borrower_personal_code borrower_email	-
Car Loan		borrower_first_name borrower_last_name borrower_phone borrower_address borrower_monthly_income_amount borrower_monthly_income_source borrower_monthly_credit_commitments borrower_personal_code borrower_email	+
Mortgage		borrower_first_name borrower_last_name borrower_phone borrower_address borrower_falimy_status borrower_kids_count borrower_monthly_income_amount borrower_monthly_income_source borrower_monthly_credit_commitments borrower_credit_history borrower_personal_code borrower_email	+
SME Loan		company_name company_reg_date company_vat_no company_phone company_address company_contact_person company_industry company_guarantor company_reg_no company_email	+