The objective of the procurement is to carry out credit rating of loan applicants (private persons) in connection with the processing of loan applications to the SPK home loan scheme.

A credit rating entails both scoring, credit check and collection of information from The Real Estate and Housing Cooperation Register and the National Registration Office. The service must be able to be tailor made for SPK as SPK shall set up their own policy rules for the scoring, including use of information from SPK's own professional system.