Address Stability Eligibility Tool Calculator

1. Enter your current and previous address duration in months and years.
2. Select your housing and address type, then tick available proof documents.
3. Add product, amount, income, and term to set an eligibility threshold.
4. Press Calculate Eligibility to view score, tier, and tips.
5. Use Download CSV or Download PDF for records.

The tool produces an Address Stability Score from 0 to 100 using weighted components. Positive factors add points, while mobility and interruptions reduce points.

• Tenure score (0–50): proportional to current address months, capped at 10 years.
• Previous tenure bonus (0–5): adds points when prior stay was at least 12 months.
• Housing score (6–20): ownership and longer-term arrangements score higher.
• Verification score (0–15): 3 points per proof document, capped at 15.
• Consistency score (0–15): region match + postal match + address type points.
• Mobility penalty (0–20): 5 points per address change in five years.
• Interruption penalty (0–10): 0.5 points per interruption month.

Score = Tenure + Bonus + Housing + Verification + Consistency − Mobility − Interruption

Stability score structure

This tool produces a 0–100 Address Stability Score from seven components. Up to 50 points come from current tenure, capped at 120 months. Housing contributes 6–20 points, while document verification adds up to 15 points at three points per proof. Consistency adds up to 15 more points using employment-region match, postal match, and address type.

Eligibility thresholds by product

A baseline minimum score is applied by product type: 50 for cards, 55 for personal loans, 60 for auto loans, 62 for business loans, and 70 for mortgages. The minimum can rise by 2–8 points when the requested amount is high relative to annual income. Longer terms also raise the minimum by 2 points at 60+ months and 4 points at 120+ months.

Mobility and interruption effects

Moves reduce confidence because identity and contact checks become harder. The calculator applies a 5‑point penalty per address change over five years, capped at 20. It also subtracts 0.5 points per interruption month, capped at 10, to reflect gaps in reachable residency. Hostel or P.O. box‑only profiles typically score fewer consistency points than permanent homes or apartments.

Interpreting tiers and outcomes

Scores of 75+ are classified as High, 60–74 as Moderate, 45–59 as Borderline, and below 45 as Low. “Eligible” requires meeting the computed minimum. “Conditional” appears when the score is within 10 points of the minimum, suggesting extra proofs or explanations may be needed. For example, a 2y 6m renter with one move and three proofs commonly lands near the Moderate band in the sample table.

Data-driven improvement steps

To lift results, extend current tenure beyond 12 months, reduce frequent moves, and keep postal formatting consistent across records. Adding a third proof document can add up to 3 points, while switching from temporary housing to a longer-term arrangement can add several points. Use consistent abbreviations to avoid verification mismatches later. Re-run scenarios, export CSV for comparison, and keep the PDF as an audit-friendly snapshot for your application file.

What does the stability score represent?

It summarizes tenure, mobility, housing, document proofs, and consistency into one 0–100 estimate. Higher scores indicate lower residency risk for contact and verification checks.

Why can the required minimum change?

The calculator starts with a product baseline, then adjusts for requested amount versus annual income and for longer terms. Higher exposure or longer repayment windows typically demand steadier residency.

How many documents should I select?

Three or more independent proofs usually provide stronger verification. Mix sources such as utility bills, bank statements, tenancy agreements, and IDs. The tool adds 3 points per proof up to 15.

What if I recently moved?

Short tenure reduces the tenure component and frequent moves add penalties. Consider waiting until you reach 12 months at the new address, and ensure your documents reflect the same postal code and formatting.

Does the tool guarantee approval?

No. It is an educational estimate focused on address stability. Lenders also review credit history, income verification, employment details, and internal policies that may override any single score.

How should I use CSV and PDF exports?

Use CSV to compare multiple scenarios and keep inputs consistent. Use PDF as a printable snapshot of the latest result, including breakdown and tips, when compiling your application documents.