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attach(Group_3_)

The following objects are masked from Group_3_ (pos = 3):

    ANNUITY, CHILDREN, CREDIT, DAYS_BIRTH, DAYS_EMPLOYED, DAYS_LAST_PHONE_CHANGE,
    DAYS_REGISTRATION, DEF_LARGE_SOCIAL_CIRCLE, DEF_SMALL_SOCIAL_CIRCLE, DOC_01,
    DOC_02, DOC_03, DOC_04, DOC_05, DOC_06, DOC_07, DOC_08, DOC_09, DOC_10, DOC_11,
    DOC_12, DOC_13, DOC_14, DOC_15, DOC_16, DOC_17, DOC_18, DOC_19, DOC_20,
    EDUCATION, EMAIL, EMPLOYMENT, EMP_PHONE, FAMILY, FAMILY_STATUS, GENDER,
    GOODS_PRICE, HOME_PHONE, HOUSING_TYPE, INCOME, LIVE_CITY_NOT_WORK_CITY,
    LIVE_REGION_NOT_WORK_REGION, NAME_TYPE_SUITE, OBS_LARGE_SOCIAL_CIRCLE,
    OBS_SMALL_SOCIAL_CIRCLE, OCCUPATION, ORGANIZATION_TYPE, OTHER_MOBILE, OWN_CAR,
    OWN_MOBILE, OWN_REALTY, PROCESS_START_DAY, PROCESS_START_HOUR, REGION_RATING,
    REGION_RATING_CITY, REG_CITY_NOT_LIVE_CITY, REG_CITY_NOT_WORK_CITY,
    REG_REGION_NOT_LIVE_REGION, REG_REGION_NOT_WORK_REGION, WORK_PHONE

The following objects are masked from Group_3_ (pos = 4):

    ANNUITY, CHILDREN, CREDIT, DAYS_BIRTH, DAYS_EMPLOYED, DAYS_LAST_PHONE_CHANGE,
    DAYS_REGISTRATION, DEF_LARGE_SOCIAL_CIRCLE, DEF_SMALL_SOCIAL_CIRCLE, DOC_01,
    DOC_02, DOC_03, DOC_04, DOC_05, DOC_06, DOC_07, DOC_08, DOC_09, DOC_10, DOC_11,
    DOC_12, DOC_13, DOC_14, DOC_15, DOC_16, DOC_17, DOC_18, DOC_19, DOC_20,
    EDUCATION, EMAIL, EMPLOYMENT, EMP_PHONE, FAMILY, FAMILY_STATUS, GENDER,
    GOODS_PRICE, HOME_PHONE, HOUSING_TYPE, INCOME, LIVE_CITY_NOT_WORK_CITY,
    LIVE_REGION_NOT_WORK_REGION, NAME_TYPE_SUITE, OBS_LARGE_SOCIAL_CIRCLE,
    OBS_SMALL_SOCIAL_CIRCLE, OCCUPATION, ORGANIZATION_TYPE, OTHER_MOBILE, OWN_CAR,
    OWN_MOBILE, OWN_REALTY, PROCESS_START_DAY, PROCESS_START_HOUR, REGION_RATING,
    REGION_RATING_CITY, REG_CITY_NOT_LIVE_CITY, REG_CITY_NOT_WORK_CITY,
    REG_REGION_NOT_LIVE_REGION, REG_REGION_NOT_WORK_REGION, WORK_PHONE

The following objects are masked from Group_3_ (pos = 5):

    ANNUITY, CHILDREN, CREDIT, DAYS_BIRTH, DAYS_EMPLOYED, DAYS_LAST_PHONE_CHANGE,
    DAYS_REGISTRATION, DEF_LARGE_SOCIAL_CIRCLE, DEF_SMALL_SOCIAL_CIRCLE, DOC_01,
    DOC_02, DOC_03, DOC_04, DOC_05, DOC_06, DOC_07, DOC_08, DOC_09, DOC_10, DOC_11,
    DOC_12, DOC_13, DOC_14, DOC_15, DOC_16, DOC_17, DOC_18, DOC_19, DOC_20,
    EDUCATION, EMAIL, EMPLOYMENT, EMP_PHONE, FAMILY, FAMILY_STATUS, GENDER,
    GOODS_PRICE, HOME_PHONE, HOUSING_TYPE, INCOME, LIVE_CITY_NOT_WORK_CITY,
    LIVE_REGION_NOT_WORK_REGION, NAME_TYPE_SUITE, OBS_LARGE_SOCIAL_CIRCLE,
    OBS_SMALL_SOCIAL_CIRCLE, OCCUPATION, ORGANIZATION_TYPE, OTHER_MOBILE, OWN_CAR,
    OWN_MOBILE, OWN_REALTY, PROCESS_START_DAY, PROCESS_START_HOUR, REGION_RATING,
    REGION_RATING_CITY, REG_CITY_NOT_LIVE_CITY, REG_CITY_NOT_WORK_CITY,
    REG_REGION_NOT_LIVE_REGION, REG_REGION_NOT_WORK_REGION, WORK_PHONE

The following objects are masked from Group_1_ (pos = 6):

    ANNUITY, CHILDREN, CREDIT, DAYS_BIRTH, DAYS_EMPLOYED, DAYS_LAST_PHONE_CHANGE,
    DAYS_REGISTRATION, DEF_LARGE_SOCIAL_CIRCLE, DEF_SMALL_SOCIAL_CIRCLE, DOC_01,
    DOC_02, DOC_03, DOC_04, DOC_05, DOC_06, DOC_07, DOC_08, DOC_09, DOC_10, DOC_11,
    DOC_12, DOC_13, DOC_14, DOC_15, DOC_16, DOC_17, DOC_18, DOC_19, DOC_20,
    EDUCATION, EMAIL, EMPLOYMENT, EMP_PHONE, FAMILY, FAMILY_STATUS, GENDER,
    GOODS_PRICE, HOME_PHONE, HOUSING_TYPE, INCOME, LIVE_CITY_NOT_WORK_CITY,
    LIVE_REGION_NOT_WORK_REGION, NAME_TYPE_SUITE, OBS_LARGE_SOCIAL_CIRCLE,
    OBS_SMALL_SOCIAL_CIRCLE, OCCUPATION, ORGANIZATION_TYPE, OTHER_MOBILE, OWN_CAR,
    OWN_MOBILE, OWN_REALTY, PROCESS_START_DAY, PROCESS_START_HOUR, REGION_RATING,
    REGION_RATING_CITY, REG_CITY_NOT_LIVE_CITY, REG_CITY_NOT_WORK_CITY,
    REG_REGION_NOT_LIVE_REGION, REG_REGION_NOT_WORK_REGION, WORK_PHONE

The following objects are masked from Group_1_ (pos = 7):

    ANNUITY, CHILDREN, CREDIT, DAYS_BIRTH, DAYS_EMPLOYED, DAYS_LAST_PHONE_CHANGE,
    DAYS_REGISTRATION, DEF_LARGE_SOCIAL_CIRCLE, DEF_SMALL_SOCIAL_CIRCLE, DOC_01,
    DOC_02, DOC_03, DOC_04, DOC_05, DOC_06, DOC_07, DOC_08, DOC_09, DOC_10, DOC_11,
    DOC_12, DOC_13, DOC_14, DOC_15, DOC_16, DOC_17, DOC_18, DOC_19, DOC_20,
    EDUCATION, EMAIL, EMPLOYMENT, EMP_PHONE, FAMILY, FAMILY_STATUS, GENDER,
    GOODS_PRICE, HOME_PHONE, HOUSING_TYPE, INCOME, LIVE_CITY_NOT_WORK_CITY,
    LIVE_REGION_NOT_WORK_REGION, NAME_TYPE_SUITE, OBS_LARGE_SOCIAL_CIRCLE,
    OBS_SMALL_SOCIAL_CIRCLE, OCCUPATION, ORGANIZATION_TYPE, OTHER_MOBILE, OWN_CAR,
    OWN_MOBILE, OWN_REALTY, PROCESS_START_DAY, PROCESS_START_HOUR, REGION_RATING,
    REGION_RATING_CITY, REG_CITY_NOT_LIVE_CITY, REG_CITY_NOT_WORK_CITY,
    REG_REGION_NOT_LIVE_REGION, REG_REGION_NOT_WORK_REGION, WORK_PHONE

The following objects are masked from Group_1_ (pos = 8):

    ANNUITY, CHILDREN, CREDIT, DAYS_BIRTH, DAYS_EMPLOYED, DAYS_LAST_PHONE_CHANGE,
    DAYS_REGISTRATION, DEF_LARGE_SOCIAL_CIRCLE, DEF_SMALL_SOCIAL_CIRCLE, DOC_01,
    DOC_02, DOC_03, DOC_04, DOC_05, DOC_06, DOC_07, DOC_08, DOC_09, DOC_10, DOC_11,
    DOC_12, DOC_13, DOC_14, DOC_15, DOC_16, DOC_17, DOC_18, DOC_19, DOC_20,
    EDUCATION, EMAIL, EMPLOYMENT, EMP_PHONE, FAMILY, FAMILY_STATUS, GENDER,
    GOODS_PRICE, HOME_PHONE, HOUSING_TYPE, INCOME, LIVE_CITY_NOT_WORK_CITY,
    LIVE_REGION_NOT_WORK_REGION, NAME_TYPE_SUITE, OBS_LARGE_SOCIAL_CIRCLE,
    OBS_SMALL_SOCIAL_CIRCLE, OCCUPATION, ORGANIZATION_TYPE, OTHER_MOBILE, OWN_CAR,
    OWN_MOBILE, OWN_REALTY, PROCESS_START_DAY, PROCESS_START_HOUR, REGION_RATING,
    REGION_RATING_CITY, REG_CITY_NOT_LIVE_CITY, REG_CITY_NOT_WORK_CITY,
    REG_REGION_NOT_LIVE_REGION, REG_REGION_NOT_WORK_REGION, WORK_PHONE

# Regression Dependence on the basis of Income
model_1<-lm(ANNUITY~INCOME)
summary(model_1)

Call:
lm(formula = ANNUITY ~ INCOME)

Residuals:
    Min      1Q  Median      3Q     Max 
-109340   -8734   -1626    6664  142769 

Coefficients:
             Estimate Std. Error t value Pr(>|t|)    
(Intercept) 1.585e+04  2.356e+02   67.30   <2e-16 ***
INCOME      6.645e-02  1.207e-03   55.05   <2e-16 ***
---
Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1

Residual standard error: 12840 on 11798 degrees of freedom
Multiple R-squared:  0.2043,    Adjusted R-squared:  0.2043 
F-statistic:  3030 on 1 and 11798 DF,  p-value: < 2.2e-16

plot(model_1)

# Regression dependence on the basis of gender.
model_2<-lm(ANNUITY~factor(GENDER)-1)
summary(model_2)

Call:
lm(formula = ANNUITY ~ factor(GENDER) - 1)

Residuals:
   Min     1Q Median     3Q    Max 
-25389 -10300  -2247   7349 151056 

Coefficients:
                  Estimate Std. Error t value Pr(>|t|)    
factor(GENDER)F    26090.6      162.9  160.19   <2e-16 ***
factor(GENDER)M    28943.6      225.1  128.58   <2e-16 ***
factor(GENDER)XNA  16312.5    10134.8    1.61    0.108    
---
Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1

Residual standard error: 14330 on 11797 degrees of freedom
Multiple R-squared:  0.7815,    Adjusted R-squared:  0.7815 
F-statistic: 1.407e+04 on 3 and 11797 DF,  p-value: < 2.2e-16

plot(model_2)

# Regression dependence on the basis of ownership of home.
model_3<-lm(ANNUITY~factor(HOUSING_TYPE)-1)
summary(model_3)

Call:
lm(formula = ANNUITY ~ factor(HOUSING_TYPE) - 1)

Residuals:
   Min     1Q Median     3Q    Max 
-24583 -10576  -2179   7513 152756 

Coefficients:
                                        Estimate Std. Error t value Pr(>|t|)    
factor(HOUSING_TYPE)Co-op Apartment      27315.3     2193.7   12.45   <2e-16 ***
factor(HOUSING_TYPE)Municipal Apartment  26769.7      672.9   39.78   <2e-16 ***
factor(HOUSING_TYPE)Office Apartment     26870.6     1329.9   20.20   <2e-16 ***
factor(HOUSING_TYPE)Own Apartment        27244.0      140.8  193.45   <2e-16 ***
factor(HOUSING_TYPE)Rented Apartment     26482.0     1046.4   25.31   <2e-16 ***
factor(HOUSING_TYPE)With Parents         24281.1      607.3   39.98   <2e-16 ***
---
Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1

Residual standard error: 14390 on 11794 degrees of freedom
Multiple R-squared:   0.78, Adjusted R-squared:  0.7799 
F-statistic:  6968 on 6 and 11794 DF,  p-value: < 2.2e-16

plot(model_3)

#Regression dependence on the basis of Education
model_4<-lm(ANNUITY~factor(EDUCATION)-1)
summary(model_4)

Call:
lm(formula = ANNUITY ~ factor(EDUCATION) - 1)

Residuals:
   Min     1Q Median     3Q    Max 
-27097 -10198  -2013   7314 149181 

Coefficients:
                                   Estimate Std. Error t value Pr(>|t|)    
factor(EDUCATION)Academic degree    49114.5     7115.9   6.902 5.39e-12 ***
factor(EDUCATION)Higher education   30818.9      264.9 116.333  < 2e-16 ***
factor(EDUCATION)Incomplete higher  26070.7      723.4  36.037  < 2e-16 ***
factor(EDUCATION)Lower secondary    24140.4     1202.8  20.070  < 2e-16 ***
factor(EDUCATION)Secondary          25862.7      155.4 166.384  < 2e-16 ***
---
Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1

Residual standard error: 14230 on 11795 degrees of freedom
Multiple R-squared:  0.7846,    Adjusted R-squared:  0.7845 
F-statistic:  8593 on 5 and 11795 DF,  p-value: < 2.2e-16

plot(model_4)

#Regression dependence on the basis of Employment
model_5<-lm(ANNUITY~factor(EMPLOYMENT)-1)
plot(model_5)

not plotting observations with leverage one:
  7280

not plotting observations with leverage one:
  7280

#Regression on employment and gender
model_6<-lm(ANNUITY~factor(EMPLOYMENT)-1+INCOME)
summary(model_6)

Call:
lm(formula = ANNUITY ~ factor(EMPLOYMENT) - 1 + INCOME)

Residuals:
    Min      1Q  Median      3Q     Max 
-106258   -8683   -1606    6633  142945 

Coefficients:
                                        Estimate Std. Error t value Pr(>|t|)    
factor(EMPLOYMENT)Commercial Associate 1.694e+04  3.484e+02  48.617   <2e-16 ***
factor(EMPLOYMENT)Pensioner            1.481e+04  3.293e+02  44.977   <2e-16 ***
factor(EMPLOYMENT)State Servant        1.724e+04  4.971e+02  34.671   <2e-16 ***
factor(EMPLOYMENT)Student              1.033e+04  1.282e+04   0.805    0.421    
factor(EMPLOYMENT)Unemployed           7.047e+03  9.070e+03   0.777    0.437    
factor(EMPLOYMENT)Working              1.604e+04  2.609e+02  61.477   <2e-16 ***
INCOME                                 6.484e-02  1.239e-03  52.334   <2e-16 ***
---
Signif. codes:  0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 ' ' 1

Residual standard error: 12820 on 11793 degrees of freedom
Multiple R-squared:  0.8252,    Adjusted R-squared:  0.8251 
F-statistic:  7951 on 7 and 11793 DF,  p-value: < 2.2e-16

plot(model_6)

not plotting observations with leverage one:
  7280

not plotting observations with leverage one:
  7280

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