Application profile-01

T1 Federal MoF senior officer, Springs Phase 5 townhouse

Score 99.1 maps to approve.

Applicant location

Location Test Section

Structured location selections are written into the application input before the engine runs.

PSL locationAddress PSLParent PSLLocation nameLocation addressMaster communitySub-communityBuilding or projectDeveloperMatch confidenceProperty typeMarket evidence id

Ready propertyOff-planFreehold for expats

Submitted by applicant

PSL code: Not supplied
Address PSL: Not supplied
Parent PSL: Not supplied
Name: Springs Phase 5
Address: Not supplied
Hierarchy: None
Community: The Springs / Phase 5
Building: Springs Phase 5
Developer: Emaar
Property flags: townhouse · ready Yes · off-plan No · freehold Yes

Resolver output

Chosen score: Tier A · 100 Category H
Matched entry: The Springs Phases 1-15
Matched id: springs-phases-1-15
Selected PSL: PSL78TRG64
Match type: alias
Confidence: 70%
Requires review: No
Rules: None
Market evidence: Not supplied
Fallback path: PSL78TRG64 -> PSLWWCCGK8
Conflicts: None

Category H input100

Score reasoning resolved Re-Leasing Recourse · Unknown

Score 100 because Category H is a discrete re-leasing recourse tier lookup.

Application Input

Structured input used by the pure engine.

{
  "id": "profile-01",
  "profileNumber": 1,
  "label": "T1 Federal MoF senior officer, Springs Phase 5 townhouse",
  "borrower": {
    "ageYears": 38,
    "residencyMonths": 72,
    "isExpat": true,
    "isFirstTimeBuyer": true,
    "householdIncomeMonthlyAed": 80000,
    "employment": {
      "employerName": "Federal MoF",
      "industry": "Federal government",
      "roleTitle": "Senior Officer",
      "seniority": "Senior",
      "monthsAtEmployer": 96,
      "totalCareerMonths": 144,
      "incomeVerified": true,
      "baseIncomeMonthlyAed": 80000,
      "consultingIncomeMonthlyAed": 0,
      "isSelfEmployed": false,
      "isRemoteWorker": false,
      "hasUaeLegalEmployer": true,
      "familyBusinessMember": false
    }
  },
  "credit": {
    "aecbScore": 790,
    "hasUaeCreditHistory": true,
    "creditHistoryMonths": 60,
    "bankRelationshipMonths": 48,
    "hasDefaultLast24Months": false,
    "postFinancingDbrPct": 30,
    "savingsBufferMonths": 14,
    "aecbPulled": true,
    "existingNonMortgageDebtService": 16000,
    "totalDebtObligationsPct": 30
  },
  "property": {
    "emirate": "Dubai",
    "masterCommunity": "The Springs",
    "subCommunity": "Phase 5",
    "building": "Springs Phase 5",
    "propertyType": "townhouse",
    "priceAed": 3200000,
    "ready": true,
    "offPlan": false,
    "freeholdForExpats": true,
    "independentValuation": true,
    "handoverMonthsAgo": 220,
    "nocIssued": true,
    "activeLeasesInBuilding90d": 18,
    "developer": "Emaar",
    "brandedResidence": false
  },
  "financing": {
    "requestedAmountAed": 320000,
    "combinedCltvPct": 90
  },
  "portfolio": {
    "clusterPct": 6,
    "buildingPct": 1,
    "developerPct": 12,
    "employerPct": 2,
    "borrowerPct": 0.5,
    "selfEmployedPct": 0,
    "familyVillaPct": 0
  }
}

Gate Timeline

UAE residency present

Residency is 72 months.

Value: 72 · Rule: >= 6 months

pass

Age within 60-month policy

Age is 38; age at maturity is 43.

Value: 38 · Rule: age >= 21 and maturity age <= 65

pass

AECB pull and minimum score

AECB is 790.

Value: 790 · Rule: AECB >= 550 or thin-file confirmed by pull

pass

No recent defaults

No recent default reported.

Value: false · Rule: no defaults in 24 months

pass

Income verified

Income is verified.

Value: true · Rule: verified income evidence

pass

Base salary and structural income floor

Base salary is AED 80000; qualifying income is AED 80000; structural floor is AED 16000.

Value: 80000 · Rule: base salary >= AED 25000 and qualifying income >= structural floor

pass

Tier-conditional employment tenure

Tenure is 96 months for T1/salaried.

Value: 96 · Rule: >= 6 months

pass

Financed fee size and percentage

Principal is AED 320000; fee is 10% of price.

Value: 320000 · Rule: AED 30000-750000 and 6-11% of price

pass

Post-financing DBR

Computed DBR is 30%; total debt obligations are 30%.

Value: 30 · Rule: < 50% DBR and total debt < 60%

pass

G10

Ready freehold property and price band

Price is AED 3200000; ready=true; freehold=true; valuation=true.

Value: 3200000 · Rule: AED 800000-4500000, ready, freehold, valued

pass

G11

Expat first-time buyer residency floor

Expat first-time residency is 72 months.

Value: 72 · Rule: >= 24 months for expat first-time buyers

pass

G12

Approved community recourse

Community tier is A.

Value: A · Rule: allowed tiers: A, B, C

pass

G13

Ready-unit vintage seasoning

Handover months=220; NOC=true; active leases=18.

Value: 18 · Rule: >= 6 months, NOC available, >= 5 active leases

pass

G14

Commission-only income ineligible

Base salary path is present.

Value: false · Rule: base salary >= AED 25000 when commission income exists

pass

G15

Re-lease coverage

Lease coverage count is 18.

Value: 18 · Rule: >= 5 lease observations

pass

G16

Three-month savings buffer

Savings buffer is 14 months.

Value: 14 · Rule: >= 3 months

pass

SCS Breakdown

Total score 99.1 · Standard weights

10 categories

Concentration Impact

Cluster emirates_living_family_axis6% current · 25% capWithin

Single building / cluster1% current · 10% capWithin

Single developer12% current · 40% capWithin

Single employer2% current · 10% capWithin

Single borrower0.5% current · 5% capWithin

Self-employed exposure0% current · 15% capWithin

Family villa segment0% current · 15% capWithin

Reasoning Trace

Named employer match

EMPLOYER_NAMED_MATCH

Federal MoF matched Federal Ministry of Finance, classified as T1 in Section E Rule 1.

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Section A property match

PROPERTY_SECTION_A_MATCH

Springs Phase 5 matched The Springs. Section A classifies it as Tier A. Yield 5.5-6.5%, named exemplar.

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UAE residency present pass

G1_PASS

Residency is 72 months.

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Age within 60-month policy pass

G2_PASS

Age is 38; age at maturity is 43.

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AECB pull and minimum score pass

G3_PASS

AECB is 790.

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No recent defaults pass

G4_PASS

No recent default reported.

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Income verified pass

G5_PASS

Income is verified.

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Base salary and structural income floor pass

G6_PASS

Base salary is AED 80000; qualifying income is AED 80000; structural floor is AED 16000.

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Tier-conditional employment tenure pass

G7_PASS

Tenure is 96 months for T1/salaried.

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Financed fee size and percentage pass

G8_PASS

Principal is AED 320000; fee is 10% of price.

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Post-financing DBR pass

G9_PASS

Computed DBR is 30%; total debt obligations are 30%.

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Ready freehold property and price band pass

G10_PASS

Price is AED 3200000; ready=true; freehold=true; valuation=true.

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Expat first-time buyer residency floor pass

G11_PASS

Expat first-time residency is 72 months.

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Approved community recourse pass

G12_PASS

Community tier is A.

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Ready-unit vintage seasoning pass

G13_PASS

Handover months=220; NOC=true; active leases=18.

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Commission-only income ineligible pass

G14_PASS

Base salary path is present.

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Re-lease coverage pass

G15_PASS

Lease coverage count is 18.

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Three-month savings buffer pass

G16_PASS

Savings buffer is 14 months.

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Payment Load

SCS_A

Category A uses post-financing DBR computed from existing debt, bank mortgage instalment, Sooner monthly, and qualifying income.

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Savings Buffer

SCS_B

Category B scores months of liquid savings buffer.

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Employment Stability

SCS_C

Category C scores current-employer tenure.

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Household Income

SCS_D

Category D scores qualifying income after base/rental/additional/commission haircuts.

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UAE Residency

SCS_E

Category E uses the 12/24/36/60 month UAE residency step band.

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Credit Relationship

SCS_F

Category F scores length of UAE credit/banking relationship.

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AECB Score

SCS_G

Category G scores the pulled AECB score.

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Re-Leasing Recourse

SCS_H

Category H is a discrete re-leasing recourse tier lookup.

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Lifestyle Alignment

SCS_I

Category I scores combined CLTV / lifestyle alignment.

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Sector Tier

SCS_J

Category J is a discrete employer sector tier lookup.

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Cluster emirates_living_family_axis

CONCENTRATION_EMIRATES_LIVING_FAMILY_AXIS

Cluster emirates_living_family_axis would be 6%, within the 25% cap.

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Single building / cluster

CONCENTRATION_SINGLE_BUILDING_VILLA_TH_CLUSTER

Single building / cluster would be 1%, within the 10% cap.

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Single developer

CONCENTRATION_SINGLE_DEVELOPER

Single developer would be 12%, within the 40% cap.

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Single employer

CONCENTRATION_SINGLE_EMPLOYER

Single employer would be 2%, within the 10% cap.

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Single borrower

CONCENTRATION_SINGLE_BORROWER

Single borrower would be 0.5%, within the 5% cap.

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Self-employed exposure

CONCENTRATION_SELF_EMPLOYED

Self-employed exposure would be 0%, within the 15% cap.

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Family villa segment

CONCENTRATION_FAMILY_VILLA_SEGMENT_COMBINED

Family villa segment would be 0%, within the 15% cap.

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Contract decision approve

CONTRACT_APPROVE

Score 99.1 maps to approve.

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