Evaluation of the client's creditworthiness. When assessing how well the client will be able to repay his future debt to the lender, the lender analyses personal data such as age, gender, education, profession, marital status and other data requested from the loan applicant, such as the permanent income and regular expenses of both the loan applicant and the entire household. As a rule, the applicant's credit history and payment record are also checked, including, for example, in available registers. Other terms used: Creditworthiness; Creditworthiness.