Data models

Credit Registry

The person’s risk position at the Bank of Spain’s credit registry (CIRBE)

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Where it lives: in the Spain Public Administration results, at data.credit.registry. APIs with dedicated per-product results endpoints return this model directly.

The credit registry is the Bank of Spain’s record of the person’s debts: every loan, credit line and guarantee above the reporting threshold, entity by entity. It is the reference document for indebtedness analysis, and the official PDF report travels as an attachment.

product"credit_registry_data"Required
The product type identifier.
sub_familyenumRequired
Allowed values:
fetch_datestringRequiredformat: "datetime"
Date this product was fetched.
countrystringRequiredformat: "country"
Country of the credit registry.
holder_namestringRequired
Full name or business name of the holder.
report_monthstringRequired
holder_codestring or nullOptional
Identification code of the holder in the registry.
identifierobject or nullOptional
National identifier of the holder.
consultation_datestring or nullOptionalformat: "datetime"
total_drawnmap from strings to strings or nullOptional
Total active drawn risk amount in the system.
total_overduemap from strings to strings or nullOptional
Total risk amount that is overdue in the system.
total_arrearsmap from strings to strings or nullOptional
Total overdue interest and expenses in the system.
total_risk_availablemap from strings to strings or nullOptional
Total available risk amount in the system.
operationslist of objectsOptionalDefaults to []
List of operations reported in the registry.
minor_riskslist of objectsOptionalDefaults to []
List of entities with accumulated risks below the threshold.
attachmentslist of objectsOptionalDefaults to []

Operations

One entry per reported operation:

product_typestringRequired
intervention_naturestringRequired
currencystringRequiredformat: "currency"
total_drawnobjectRequired
entity_namestring or nullOptional
entity_codestring or nullOptional
operation_codestring or nullOptional
collective_statusstring or nullOptional
participants_numberinteger or nullOptional>=1
maturity_typestring or nullOptional
real_guarantee_typestring or nullOptional
real_guarantee_coverageobject or nullOptional
personal_guarantee_typestring or nullOptional
personal_guarantee_coverageobject or nullOptional
operation_statusstring or nullOptional
overdueobject or nullOptional
arrearsobject or nullOptional
risk_availableobject or nullOptional

Minor risks

Positions below the detailed-reporting threshold, aggregated:

entity_namestringRequired
limit_amountobjectRequired
entity_codestring or nullOptional