Dashboard AI Readiness Assessment

AI-Assisted Financial Wellness Assessment

Understand your readiness for home ownership with AI insights and human review.

Your readiness journey
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Illustrative only AI + human review

Overall Readiness Score

AI assists analysis. Final decisions are made by human analysts.

72
Readiness (for guidance only)
On Track for Homeownership (simulated)

This readiness score is informational and does not represent a loan approval or rejection from any bank.

Target EMI vs Income 28% of income

Safe EMI band is typically 25–35% of net monthly income.

Debt-to-Income Ratio 36%

Many lenders require total EMI obligations to stay below 40–45% of income.

Credit History 85/100
Employment 82/100

Strengths & Green Flags

Excellent Payment History

98% on-time payment rate over the last 24 months demonstrates strong financial discipline.

Stable Employment

5+ years with current employer shows job stability and consistent income.

Good Credit Mix

Healthy combination of secured and unsecured credit accounts.

Risk Flags & Focus Areas

High Credit Utilization

Current utilization at 35%. Reducing to below 30% could improve score by 10-15 points.

Recent Credit Inquiries

3 hard inquiries in last 6 months. Avoid new applications for next 3-6 months.

Credit Age

Average credit age of 4.2 years. Keep old accounts open to improve this metric.

Actions & Notifications

These actions are simulated for this demo. In production, they would trigger secure notifications and analyst workflows.