Vaya: an AI loan advisor that asks whether you can still afford to live

Описание и применение

Vaya – это AI‑советник по займам, который оценивает, сможете ли вы жить, учитывая доходы, расходы и риск. Он сравнивает реальные предложения 20+ банков, рассчитывает вероятность «подводного» займа и предлагает решения, а также предоставляет обратный аукцион для банков.

Задача

Loan comparison sites focus only on lowest rates, ignoring whether a loan is affordable and safe for the borrower.

Результат

Vaya enables borrowers to assess loan affordability and risk quickly, providing actionable insights and a reverse-auction marketplace, improving decision quality over traditional rate-only comparison sites.

Рабочий процесс

• 1. User enters a one-sentence description of their loan and income into the chat input.
• 2. Vaya fetches real product data from 20+ Vietnamese banks (rates, limits, terms, processing time, LTV caps).
• 3. The tool runs a client-side Monte Carlo simulation of income, expenses, and existing debt to compute a survival probability and key ratios (DTI, PTI, LTV, disposable income).
• 4. Results are displayed in sortable, filterable tables and interactive charts, with plain-language explanations.
• 5. If a loan is risky, Vaya suggests adjustments such as borrowing less, extending the term, increasing down payment, or cutting expenses.
• 6. Users can post anonymous requests to a reverse-auction marketplace where banks bid, seeing offers next to public rates.
• 7. The interface supports English, Vietnamese, and Chinese, and includes dark mode.
• 8. Users can review and iterate on their loan options without signing up or installing anything.

Доказательства

Vaya runs a Monte Carlo simulation over your income, expenses and existing debt, and tells you the probability that the loan pushes you underwater — plus DTI, PTI, LTV and disposable income, each with a plain-language explanation attached.

Источник

It compares real products from 20+ Vietnamese banks. Rates, maximum amounts, terms, processing time, LTV caps — side by side, sortable, filterable, with the actual bank logos so you know who you are dealing with.

Источник

The reverse-auction marketplace has no AI in it at all — it is a forum, and forums already work.

Источник