Solvency
Solvency tells you whether the candidate’s income can cover the rent. It is based on the effort rate: the share of the candidate’s monthly income that would go to paying the rent of the listing.- What it needs: the candidate’s monthly income and the listing’s monthly rent.
- What it does not need: the ID number. You can get a solvency result for a candidate you only know by their declared income.
Delinquency
Delinquency tells you whether the candidate appears in a delinquency register, which records unpaid debts.- What it needs: the candidate’s ID number (DNI or NIE) and postal code.
- Without the ID number, the delinquency check cannot run. The score says so, instead of returning a result.
Candidates who rent together
When several people apply to rent together, send each of them as part of the same application, with the main applicant and the co-tenants.- Solvency uses their combined income: the effort rate is the rent divided by the sum of everyone’s monthly income. If any of them has no income declared, the effort rate cannot be calculated.
- Delinquency is checked for each person. The application is KO if any of them appears in a delinquency register.
Two results, not one
Vivara reports each result separately. A candidate can be solvent and appear in a delinquency register, or the other way round. Vivara does not merge the two into a single verdict, because how much weight each one deserves depends on your own process.When the score is calculated
The score is calculated when you send the candidate’s data, and again when you change the income or the ID number. Sending a document does not recalculate the score. It changes the confidence tier, because the value is now backed by a document. See Confidence tiers.The score is the same one Vivara uses for its own rentals. It does not depend
on the insurer, and a good score does not guarantee that a policy will be
issued. See Non-payment insurance.