G1
UAE residency present
Residency is 72 months.
Value: 72 · Rule: >= 6 months
pass
Side by side
profile-01 vs profile-09
Decision, gate, and score differences for policy debugging.
Gate Timeline
G2
Age within 60-month policy
Age is 38; age at maturity is 43.
Value: 38 · Rule: age >= 21 and maturity age <= 65
pass
G3
AECB pull and minimum score
AECB is 790.
Value: 790 · Rule: AECB >= 550 or thin-file confirmed by pull
pass
G4
No recent defaults
No recent default reported.
Value: false · Rule: no defaults in 24 months
pass
G5
Income verified
Income is verified.
Value: true · Rule: verified income evidence
pass
G6
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
G7
Tier-conditional employment tenure
Tenure is 96 months for T1/salaried.
Value: 96 · Rule: >= 6 months
pass
G8
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
G9
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
A. Payment Load17.5% · 100
Awarded score100 · Payment Load
Input used100
Score 100 because Category A uses post-financing DBR computed from existing debt, bank mortgage instalment, Sooner monthly, and qualifying income.
Category A uses post-financing DBR computed from existing debt, bank mortgage instalment, Sooner monthly, and qualifying income.
B. Savings Buffer15% · 100
Awarded score100 · Savings Buffer
Input used100
Score 100 because Category B scores months of liquid savings buffer.
Category B scores months of liquid savings buffer.
C. Employment Stability10% · 100
Awarded score100 · Employment Stability
Input used100
Score 100 because Category C scores current-employer tenure.
Category C scores current-employer tenure.
D. Household Income7.5% · 100
Awarded score100 · Household Income
Input used100
Score 100 because Category D scores qualifying income after base/rental/additional/commission haircuts.
Category D scores qualifying income after base/rental/additional/commission haircuts.
E. UAE Residency7.5% · 100
Awarded score100 · UAE Residency
Input used100
Score 100 because Category E uses the 12/24/36/60 month UAE residency step band.
Category E uses the 12/24/36/60 month UAE residency step band.
F. Credit Relationship5% · 100
Awarded score100 · Credit Relationship
Input used100
Score 100 because Category F scores length of UAE credit/banking relationship.
Category F scores length of UAE credit/banking relationship.
G. AECB Score5% · 100
Awarded score100 · AECB Score
Input used100
Score 100 because Category G scores the pulled AECB score.
Category G scores the pulled AECB score.
H. Re-Leasing Recourse15% · 100
Awarded score100 · Re-Leasing Recourse
Input used100
Score 100 because Category H is a discrete re-leasing recourse tier lookup.
Category H is a discrete re-leasing recourse tier lookup.
I. Lifestyle Alignment5% · 82
Awarded score82 · Lifestyle Alignment
Input used82
Score 82 because Category I scores combined CLTV / lifestyle alignment.
Category I scores combined CLTV / lifestyle alignment.
J. Sector Tier12.5% · 100
Awarded score100 · Sector Tier
Input used100
Score 100 because Category J is a discrete employer sector tier lookup.
Category J is a discrete employer sector tier lookup.
Gate Timeline
G1
UAE residency present
Residency is 72 months.
Value: 72 · Rule: >= 6 months
pass
G2
Age within 60-month policy
Age is 38; age at maturity is 43.
Value: 38 · Rule: age >= 21 and maturity age <= 65
pass
G3
AECB pull and minimum score
AECB is 665.
Value: 665 · Rule: AECB >= 550 or thin-file confirmed by pull
pass
G4
No recent defaults
No recent default reported.
Value: false · Rule: no defaults in 24 months
pass
G5
Income verified
Income is verified.
Value: true · Rule: verified income evidence
pass
G6
Base salary and structural income floor
Base salary is AED 52000; qualifying income is AED 52000; structural floor is AED 12500.
Value: 52000 · Rule: base salary >= AED 25000 and qualifying income >= structural floor
pass
G7
Tier-conditional employment tenure
Tenure is 24 months for T3/salaried.
Value: 24 · Rule: >= 24 months
pass
G8
Financed fee size and percentage
Principal is AED 250000; fee is 10% of price.
Value: 250000 · Rule: AED 30000-750000 and 6-11% of price
pass
G9
Post-financing DBR
Computed DBR is 44%; total debt obligations are 44%.
Value: 44 · Rule: < 50% DBR and total debt < 60%
pass
G10
Ready freehold property and price band
Price is AED 2500000; ready=true; freehold=true; valuation=true.
Value: 2500000 · 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=150; NOC=true; active leases=16.
Value: 16 · 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 16.
Value: 16 · Rule: >= 5 lease observations
pass
G16
Three-month savings buffer
Savings buffer is 4 months.
Value: 4 · Rule: >= 3 months
pass
SCS Breakdown
Total score 80.8 · Standard weights
A. Payment Load17.5% · 83.8
Awarded score83.8 · Payment Load
Input used83.8
Score 83.8 because Category A uses post-financing DBR computed from existing debt, bank mortgage instalment, Sooner monthly, and qualifying income.
Category A uses post-financing DBR computed from existing debt, bank mortgage instalment, Sooner monthly, and qualifying income.
B. Savings Buffer15% · 68.7
Awarded score68.7 · Savings Buffer
Input used68.7
Score 68.7 because Category B scores months of liquid savings buffer.
Category B scores months of liquid savings buffer.
C. Employment Stability10% · 72
Awarded score72 · Employment Stability
Input used72
Score 72 because Category C scores current-employer tenure.
Category C scores current-employer tenure.
D. Household Income7.5% · 83.4
Awarded score83.4 · Household Income
Input used83.4
Score 83.4 because Category D scores qualifying income after base/rental/additional/commission haircuts.
Category D scores qualifying income after base/rental/additional/commission haircuts.
E. UAE Residency7.5% · 100
Awarded score100 · UAE Residency
Input used100
Score 100 because Category E uses the 12/24/36/60 month UAE residency step band.
Category E uses the 12/24/36/60 month UAE residency step band.
F. Credit Relationship5% · 78.7
Awarded score78.7 · Credit Relationship
Input used78.7
Score 78.7 because Category F scores length of UAE credit/banking relationship.
Category F scores length of UAE credit/banking relationship.
G. AECB Score5% · 79.7
Awarded score79.7 · AECB Score
Input used79.7
Score 79.7 because Category G scores the pulled AECB score.
Category G scores the pulled AECB score.
H. Re-Leasing Recourse15% · 100
Awarded score100 · Re-Leasing Recourse
Input used100
Score 100 because Category H is a discrete re-leasing recourse tier lookup.
Category H is a discrete re-leasing recourse tier lookup.
I. Lifestyle Alignment5% · 82
Awarded score82 · Lifestyle Alignment
Input used82
Score 82 because Category I scores combined CLTV / lifestyle alignment.
Category I scores combined CLTV / lifestyle alignment.
J. Sector Tier12.5% · 62
Awarded score62 · Sector Tier
Input used62
Score 62 because Category J is a discrete employer sector tier lookup.
Category J is a discrete employer sector tier lookup.