English to Spanish Other Finance (general) credits

Credit decision/Scorecard
The credit decision is partly automised and based on a number of decision rules
Scoring
Household budget calculation
Credit Bureau (Schufa)
Policy Rules (internal experience, credit limits, age, etc.)
The credit decision engine distinguishes into
green – automatic acceptance
yellow – manual acceptance process
red – automatic rejection
Application numbers are on average (% booked / total applications)
Vehicles 62% Accepts
Durables 57% Accepts
Direct 67% Accepts
Total 64% Accepts
A credit decision takes between 5 and 20 min