diff --git a/src/data-processing.ipynb b/src/data-processing.ipynb
index 7ca4223..ee578a2 100644
--- a/src/data-processing.ipynb
+++ b/src/data-processing.ipynb
@@ -69,7 +69,7 @@
     "                   \"PRODUCT_COMBINATION\", \"DAYS_FIRST_DRAWING\", \"DAYS_FIRST_DUE\", \"DAYS_LAST_DUE_1ST_VERSION\", \"DAYS_LAST_DUE\", \"DAYS_TERMINATION\"], inplace=True)\n",
     "prev = prev[prev[\"NAME_CONTRACT_STATUS\"] != \"Canceled\"]\n",
     "prev.fillna(0, inplace=True)\n",
-    "prev[\"TIME_TO_PAY\"] = prev[\"AMT_CREDIT\"] / prev[\"AMT_ANNUITY\"]\n",
+    "prev[\"TIME_TO_PAY\"] = np.where(prev[\"AMT_ANNUITY\"] == 0, 0, prev[\"AMT_CREDIT\"] / prev[\"AMT_ANNUITY\"])\n",
     "prev[\"AMT_CREDIT\"] = np.where(prev[\"NAME_CONTRACT_STATUS\"] == \"Refused\", 0, prev[\"AMT_CREDIT\"])\n",
     "prev[\"CREDIT_DIFFERENCE\"] = prev[\"AMT_CREDIT\"] - prev[\"AMT_APPLICATION\"]\n",
     "prev.drop(columns=[\"AMT_ANNUITY\", \"AMT_APPLICATION\", \"AMT_CREDIT\"], inplace=True)\n",