Decision Table: Rule# (Cells) | Executed Rule | Variables and Values |
---|---|---|
PMT: 1 (B27:B27) |
THEN 'PMT' ( Amount * Rate/12 ) / ( 1 - pow(1 +Rate/12,-Term) ) |
PMT={old:0.0, new:4083.066538617192} Amount=150000 Rate=0.32 Term=148 |
RequiredMonthlyInstallment: 1 (B5:D5) |
IF 'Product Type' Is SPECIAL LOAN THEN 'Required Monthly Installment' PMT + 25.00 |
Product Type=SPECIAL LOAN Required Monthly Installment={old:0.0, new:4108.066538617191} PMT=4083.066538617192 |
DisposableIncome: 1 (B5:B5) |
THEN 'Disposable Income' Monthly Income - (Monthly Repayments + Monthly Expenses) |
Disposable Income={old:0.0, new:2700.0} Monthly Income=6300.0 Monthly Repayments=2200.0 Monthly Expenses=1400.0 |
ApplicationRiskScore: 1 (B5:F5) |
THEN 'Application Risk Score' = 0 |
Application Risk Score=0 |
ApplicationRiskScore: 3 (B7:F7) |
IF 'Age' [22..25] THEN 'Application Risk Score' + 35 |
Age=24 Application Risk Score={old:0, new:35} |
ApplicationRiskScore: 7 (B11:F11) |
IF 'Marital Status' S THEN 'Application Risk Score' + 25 |
Marital Status=S Application Risk Score={old:35, new:60} |
ApplicationRiskScore: 10 (B14:F14) |
IF 'Employment Status' STUDENT THEN 'Application Risk Score' + 18 |
Employment Status=STUDENT Application Risk Score={old:60, new:78} |
PostBureauRiskCategory: 10 (B14:F14) |
IF 'Existing Customer' Is false AND 'Application Risk Score' <=100 AND 'Credit Score' >600 THEN 'Risk Category' LOW |
Existing Customer=false Application Risk Score=78 Credit Score=630 Risk Category={old:?, new:LOW} |
CreditContingencyFactor: 3 (B7:D7) |
IF 'Risk Category' Is One Of LOW, VERY LOW THEN 'Credit Contingency Factor' 0.8 |
Risk Category=LOW Credit Contingency Factor={old:0.0, new:0.8} |
Affordability: 2 (B6:C6) |
THEN 'Affordability' false |
Affordability=false |