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Loan Eligibility Guide
This tool uses a machine learning model to estimate your loan eligibility based on the following criteria. Please read the guidelines carefully to understand how your data is evaluated.
1. Data Entry Requirements
- All fields are **mandatory**. Ensure no field is left blank.
- **Earnings (Value):** Must be a positive numerical figure (e.g., total monthly income/revenue).
- **Performance Rating (Avg):** Must be between 1.0 and 5.0.
- **Financial Activity (Score):** Must be a value between 0.0 and 1.0.
2. Key Eligibility Factors
The model places significant weight on the stability and history of your activity:
- **Time on Platform:** Longer time indicates a more reliable history and generally increases eligibility.
- **Earnings Stability:** "Stable" earnings are favored over "Variable" or "Seasonal" earnings.
- **On-Time Loan Repayments:** A high number of on-time repayments is crucial for a positive result.
3. Understanding the Results
The model outputs one of two possible predictions:
- **Eligible (🥳):** The model predicts a high probability of successful loan repayment.
- **Not Eligible (😔):** The model indicates that based on the current data, the risk profile does not meet the minimum lending criteria.