| 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:3133.636546143113} Amount=100000 Rate=0.08 Term=36 |
| RequiredMonthlyInstallment: 2 (B6:D6) |
THEN 'Required Monthly Installment' PMT + 20.00 |
Required Monthly Installment={old:0.0, new:3153.636546143113} PMT=3133.636546143113 |
| DisposableIncome: 1 (B5:B5) |
THEN 'Disposable Income' Monthly Income - (Monthly Repayments + Monthly Expenses) |
Disposable Income={old:0.0, new:4500.0} Monthly Income=10000.0 Monthly Repayments=2500.0 Monthly Expenses=3000.0 |
| ApplicationRiskScore: 1 (B5:F5) |
THEN 'Application Risk Score' = 0 |
Application Risk Score=0 |
| ApplicationRiskScore: 6 (B10:F10) |
IF 'Age' >=50 THEN 'Application Risk Score' + 48 |
Age=51 Application Risk Score={old:0, new:48} |
| ApplicationRiskScore: 8 (B12:F12) |
IF 'Marital Status' M THEN 'Application Risk Score' + 45 |
Marital Status=M Application Risk Score={old:48, new:93} |
| ApplicationRiskScore: 11 (B15:F15) |
IF 'Employment Status' EMPLOYED THEN 'Application Risk Score' + 45 |
Employment Status=EMPLOYED Application Risk Score={old:93, new:138} |
| PostBureauRiskCategory: 7 (B11:F11) |
IF 'Existing Customer' Is true AND 'Application Risk Score' > 130 THEN 'Risk Category' VERY LOW |
Existing Customer=true Application Risk Score=138 Risk Category={old:?, new:VERY LOW} |
| CreditContingencyFactor: 3 (B7:D7) |
IF 'Risk Category' Is One Of LOW, VERY LOW THEN 'Credit Contingency Factor' 0.8 |
Risk Category=VERY LOW Credit Contingency Factor={old:0.0, new:0.8} |
| Affordability: 1 (B5:C5) |
IF 'Required Monthly Installment' < Disposable Income * Credit Contingency Factor THEN 'Affordability' true |
Required Monthly Installment=3153.636546143113 Credit Contingency Factor=0.8 Disposable Income=4500.0 Affordability={old:false, new:true} |