Decision Engine

Credit & Borrowing Decision

Bring the main borrowing signals together. The engine identifies where to investigate further before you add a new monthly obligation.

Current credit utilisation (%)Current DTI (%)Emergency reserve (months)Proposed new EMI as % of gross incomePayment history currently up to date?

Decision framework

Capacity: Can monthly debt absorb another payment?

Liquidity: Will you still keep a cash buffer?

Credit pressure: Are revolving balances already high?

Behaviour: Are required payments being handled reliably?