Loan Qualification Tool

Affordability, risk assessment, and compliance evaluation

Scend Ã¢â‚¬Â¢ Loan Tool

Applicant profile

Gross income (per month)

Existing debt payments (per month)

Credit utilization (%)

Missed payments (last 12m)

Credit age (years)Ã¢â€°Ë† time since first account and average age

Inquiries (last 6m)

Loan type

Base/Prime rate (annual %)

Interest rate (annual %)

Override

Loan amount / Purchase price

Deposit (upfront)

Bond/Legal fees financed (once-off)

Term (years)

Extra payment (per month)

Show amortisation schedule

Summary

Loan type: Home

Estimated credit score: 765 (min 640 for Home)

Interest rate (auto): 12.75%

Rate (monthly): 1.06%

Principal financed: R 0,00

Term: 240 months

Base instalment: R 0,00

Extra payment: R 0,00

Total monthly payment: R 0,00

Total interest (approx): R 0,00

Total paid (approx): R 0,00

Pre-loan DTI: Ã¢â‚¬â€

Post-loan DTI: Ã¢â‚¬â€ (limit ~36.00%)

Payment / Income (PTI): Ã¢â‚¬â€ (cap ~28.00%)

Eligibility: Not eligible

Provide monthly gross income.
Post-loan DTI Ã¢â‚¬â€ exceeds limit 36.00%.
Payment-to-income Ã¢â‚¬â€ exceeds cap 28.00%.

Recommendations

Improve affordability: increase deposit, reduce loan amount, or extend term (within reasonable limits) to bring payment targets into range.
Rate shopping: even a 0.50% lower APR can noticeably trim your monthly instalment.

Qualification estimate (if info is truthful)

Max affordable payment (by DTI/PTI): R 0,00

Estimated APR used: 12.75%

Assumed term: 240 months

Max financed principal (estimate): R 0,00

Max purchase price (Ã¢â€°Ë†): R 0,00

Uses the stricter of DTI (36.00%) and PTI (28.00%) caps with your income/debts. Lenders may apply additional checks (employment length, buffers, policies).

Notes: Qualification and eligibility are planning estimates only. Actual lender outcomes vary by policy (buffers, max LTV/LVR, employment/tenure).