Rental Credit Scoring
A transparent 300 – 900 score for both tenants and landlords. Same inputs always produce the same score — no black box, no surprises.
Sample profiles
Real numbers from the same engine — three tenants and three landlords.
Tenants
4 years at last flat, spotless on-time record, quiet lifestyle.
Variable income, a couple of late payments, social lifestyle.
Limited rental history, one prior eviction, no landlord reference.
Landlords
10 yrs experience, Lalpurja verified, families & pets welcome, yearly leases.
Semi-furnished mid-tier flat, prefers families, no bachelors or pets.
No Lalpurja proof yet, two prior evictions, unfurnished single room.
Tenant scoring factors
- Document Evidence
Bank statement, pay stub, and police clearance — each OCR-validated and name-matched against your verified profile. Documents are the single biggest factor.
- Income Stability (verified)
Income-to-rent ratio (4× rent = perfect). Self-declared income is trusted at only 40% without a verified document, 80% with one, 100% with both.
- Criminal Background (verified)
Clean record earns full marks only with an uploaded Nepal Police clearance whose name matches you. Self-declared 'no record' is partial credit.
- Identity Verification
Government ID + live-scan face match + DOB cross-checked against the document.
- Rent Payment History (self-declared)
Tenure at previous address, on-time payment ratio, eviction record. Self-declared — light weight.
- References & Conduct (self-declared)
Previous-landlord reference and good-neighbor rating. Self-declared — light weight.
- Lifestyle Disclosure (self-declared)
Smoking, heavy drinking, drug use, parties, music loudness. Self-declared — light weight.
- Lease Commitment (self-declared)
Willingness to commit and intended length of stay. Self-declared — light weight.
Document caps (anti-junk-data)
- 0 verified documents → score capped at 600
- 1 verified document (bank statement, pay stub, or police report) → cap 700
- 2 verified documents → cap 770
- All 3 verified → no cap, full 900 possible
Landlord scoring factors
- Property Legitimacy & Lalpurja
Legal ownership, Lalpurja proof, years as a landlord.
- Property Quality
Furnishing level, parking, bedrooms, bathrooms.
- Fairness & Flexibility
Pets, families, bachelors, lease length, healthy home rules.
- Identity Verification
Government ID + live-scan match score.
- Track Record with Tenants
Total tenants vs. eviction rate.
- Lease & Penalty Commitment
Commits to written break-penalty terms.
Try it yourself
Adjust the inputs and watch your score update live.
Tenant inputs
Why 0/100: Bank statement missing (0/40), pay stub missing (0/30), police clearance missing (0/30). This factor is 42% of your total score.
Why 49/100: Income is 3.2x rent (4x = full marks); only 40% of it is trusted because 0 income document(s) were verified. Income source "Salary (private)" adds 27/30. This factor is 15% of your total score.
Why 55/100: Self-declared clean record without a police clearance caps this at 55/100. This factor is 10% of your total score.
Why 98/100: ID document verified (+40), liveness check passed (+30), face-match score 92% (+28/30). This factor is 10% of your total score.
Why 60/100: 0 review(s). Fewer than 3 reviews pulls this toward the neutral 60/100 baseline. This factor is 5% of your total score.
Why 89/100: 18 months at previous address (24+ = full), 95% on-time payments, 0 eviction(s) (each −40). This factor is 5% of your total score.
Why 90/100: Landlord reference provided (+50); neighbour rating 4/5 (+40/50). This factor is 5% of your total score.
Why 100/100: Starts at 100 and deducts: smoking −10, heavy drinking −15, drug use −50, parties −15, loud music above 5/10 up to −20. Yours: 100/100. This factor is 4% of your total score.
Why 90/100: Committed to the lease term (+60); intended stay 18 months (24+ = full 40). This factor is 4% of your total score.