📘 1. General Process Overview

The Risk area aims to analyze and determine the creditworthiness of renters (tenants) before issuing a guarantee contract.

The process starts automatically in the system when a new renter completes their application (onboarding) on the Grenty portal.

During onboarding, the renter uploads personal, financial, and employment data that enables an automatic pre-approval.

At this stage, the system evaluates the following main factors:

• Whether they own property or not.
• Whether they are employed and the type of employment (employee, self-employed, pensioner, etc.).
• Employment tenure.
• Available balance in personal bank account.
• Estimated annual income.
• Requested rent amount.
• Rent-to-income ratio.

Based on this data, the system generates a preliminary result of pre-approved or rejected.

📋 Documentation Requirements by Applicant Type

The following documents are required based on the renter's employment type or situation:

1. Employees on Payroll

• ID, Permanent Resident Card, or Passport
• Last 3 pay stubs
• W-2 Form from last year or Form 1040 from last year