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

说明与用途

Vaya 是一款 AI 贷款顾问，帮助用户评估贷款后是否还能维持生活。它使用蒙特卡洛模拟和真实银行数据，比较20+越南银行，展示风险评分、可操作建议，并提供反向拍卖市场。

问题

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

结果

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.

工作流

• 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.

证据

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.

来源

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.

来源