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 продолжать жить после получения кредита, используя симуляцию платежей и вероятность «потерять» деньги. Он сравнивает реальные предложения 20+ банков, предоставляет оценку риска и рекомендации, а также обратный аукцион для поиска лучших условий.

Задача

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

Результат

Vaya enables borrowers to assess loan affordability quickly, providing transparent comparisons, risk scores, and actionable guidance, while also offering a reverse‑auction marketplace for better deals.

Рабочий процесс

• 1. User enters a one‑sentence description of their loan and income in the chat input.
• 2. Vaya fetches real product data from 20+ Vietnamese banks (rates, limits, terms, LTV, processing time).
• 3. It 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 tables, interactive charts, and a survival score with plain‑language explanations.
• 5. If a loan is risky, Vaya suggests adjustments (lower amount, longer term, higher down payment, expense cuts).
• 6. Users can post an anonymous request to a reverse‑auction marketplace where banks bid based on the request details.
• 7. All interactions are multilingual (English, Vietnamese, Chinese) and available in dark mode.

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