Clara Bauer

Salaried teacher, steady finances · Secondary-school teacher · Freiburg · household of 1

ApprovedConsent · 2/2 banks active

Engine decision

Approve

2/2 banks · 100% data coverage

Recommended limit

12.000 €

up to 40.500 € eligible

Monthly instalment

292,39 €

48 mo · 7.9% APR

Available income

Home improvement · submitted 2 Jun 2026

Awaiting officer decision

The engine recommends Approve. Review the explainable assessment and confirm or override.

Aggregated across 2 banks via open banking — Demo Bank + Civic Bank

Demo Bank

Girokonto

DE59 •••• •••• •••• 0554

6.088,20 €

Tagesgeld Sparen

DE11 •••• •••• •••• 8132

8.600,00 €

Civic Bank

Civic Sparen

DE71 •••• •••• •••• 5180

6.200,00 €

Checking balance · last 6 months

One consent per bank — each can be revoked independently.

Demo Bank

Granted4 Apr 2026

Expires (180d)1 Oct 2026 · 61d

accountsbalancestransactionsstandingOrders

Civic Bank

Granted6 Apr 2026

Expires (180d)3 Oct 2026 · 63d

accountsbalancestransactionsstandingOrders

Net monthly income3.182,99 €

Rent949,04 €

Obligations0,00 €

DTI9%

Income stability99%