Mortgage, next module
The next product on the same decision engine. Designed, parameterised, and inactive in this demo.
Inactive
Residential mortgage
Same Haushaltsrechnung core, extra inputs and tighter thresholds.
Property value
€420,000
Purchase price / valuation
Loan-to-value (LTV)
82%
Capped at 90%
Equity / deposit
€75,600
Minimum 10%
Term
25 years
10–30 years
Stress-rate buffer
Pass
Repayment tested at +3% APR
Inputs shown for design only. The mortgage product is not wired into the live engine in this demo.
One engine, 2 parameter sets
The affordability core is product-parameterised. Switching products swaps the numbers and leaves the logic alone.
| Parameter | Consumer loan | Mortgage |
|---|---|---|
| Demo APR | 7.9% | 4.1% |
| Affordability buffer | 1.3× | 1.4× |
| Max DTI | 40% | 35% |
| Stress-rate buffer | +3% | +3% |
| Min. history | 3 mo | 12 mo |
| Min. stability | 88% | 90% |
| Amount range | €1k–€50k | €50k–€1m |
What the mortgage module adds
- Collateral checks: LTV and minimum equity on top of affordability.
- Longer terms and a tighter DTI ceiling for secured lending.
- The same deterministic, per-rule, auditable decision and explainability.
- Open finance / FIDA data widens the inputs beyond payment accounts.