In this paper, we grasp the loaning repayment ability of the customer which receives the loaning already and the others, determine within the minimum limits of the loaning`s through the estimation of a poor bond and bad debt. We look into the course to construct a decision tree model and compare the accuracy among model assessment methods also to minimize these. In case which constructs a decision tree and tries to be fit the model, we are thought to be desirable to evaluate and construct the model using CHAID algorithm.