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:5636.958291146486} Amount=120000 Rate=0.54 Term=72 |
RequiredMonthlyInstallment: 2 (B6:D6) |
THEN 'Required Monthly Installment' PMT + 20.00 |
Required Monthly Installment={old:0.0, new:5656.958291146486} PMT=5636.958291146486 |
DisposableIncome: 1 (B5:B5) |
THEN 'Disposable Income' Monthly Income - (Monthly Repayments + Monthly Expenses) |
Disposable Income={old:0.0, new:6400.0} Monthly Income=9400.0 Monthly Repayments=1800.0 Monthly Expenses=1200.0 |
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=59 Application Risk Score={old:0, new:48} |
ApplicationRiskScore: 9 (B13:F13) |
IF 'Employment Status' UNEMPLOYED THEN 'Application Risk Score' + 15 |
Employment Status=UNEMPLOYED Application Risk Score={old:48, new:63} |
PreBureauRiskCategory: 1 (B5:E5) |
IF 'Existing Customer' Is true AND 'Application Risk Score' <100 THEN 'Risk Category' HIGH |
Existing Customer=true Application Risk Score=63 Risk Category={old:?, new:HIGH} |
CreditContingencyFactor: 1 (B5:D5) |
IF 'Risk Category' Is One Of HIGH,DECLINE THEN 'Credit Contingency Factor' 0.6 |
Risk Category=HIGH Credit Contingency Factor={old:0.0, new:0.6} |
Affordability: 2 (B6:C6) |
THEN 'Affordability' false |
Affordability=false |