Affordability and Limits Calculation
Discover a simple way to calculate affordability and set loan limits and final loan parameters based on risk grade, client's income, payments and exposure.
DecisionRules
About the example:
This Decision Flow sets limits for DTI, DSTI, calculates client's payments and exposure and derives loan limits and final loan parameters.
Solution components:
- a Decision Table named Set Loan Limits defines DTI and DTI limits and maximum loan term and loan amount for each risk grade, allowing for variations based on testing groups
- a Decision Flow calculates total client's monthly payment and exposure, executes the Set Loan Limits table to get the limits and calculates limits on loan amount, term and monthly payment and final loan limits and assigns them to the Decision Flow output.
Use this Decision Flow, adjust the limits setup to match your needs and simply call from your credit decisioning system using a REST API…
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