Decision: CONDITIONAL APPROVAL at €72,000 / 84 months / 4.7 % p.a. — subject to second income verification.
Applicant APP-2026-05-21-00813 passes KYC, has a Schufa score of 9420 (excellent) and an internal PD of 0.42 %. Affordability holds at the requested amount under base case but breaks the household-budget guideline by €34/month under the +200 bps stress scenario. Conditional approval at €72,000 with second-income verification before disbursement.
Output
Decision
CONDITIONAL APPROVAL. Recommended terms: amount €72,000 (vs €85,000 requested), tenor 84 months, rate 4.7 % p.a. Conditions for disbursement: (1) documented second income source or co-applicant, (2) supplier quote for kitchen-renovation portion ≥ €30,000.
Credit risk profile
Schufa score 9420 (top 6 % of bank's borrowers). Internal PD 0.42 % (12-month). No prior delinquencies. Hard inquiries in last 12 months: 0. Internal rating: 2+ on the 1–11 scale.
Affordability assessment
Base DSTI 28.4 %. +200 bps stress DSTI 32.1 % — under the 40 % ceiling but household budget shows a €34/month gap under combined stress + unemployment scenario. Reducing principal to €72,000 closes the gap and brings stress DSTI to 27.8 %.
Policy compliance
14 of 15 origination rules PASS. Rule 7.3 (long-tenor + high amount) triggers CONDITIONAL because tenor 84 months > 60 months and amount > €75,000. Policy reference: Internal Origination Policy 7.3, MaRisk BTO 1.2.
Regulatory citations
MaRisk BTO 1.2.1(3) on Kapitaldienstfähigkeit. MaRisk BTO 1.2.4 on documentation. CRR Art. 178 on default definition. CRR Art. 224 on collateral haircut (not triggered in this case). Internal Origination Policy 7.3.
Reasoning timeline
Task: Verify identity, screen sanctions/PEP, validate source-of-funds documents.
PASS — identity confirmed (eID), no sanctions/PEP hits, source-of-funds documents valid (employment contract + last 3 payslips + last tax assessment).
Task: Pull Schufa report and internal rating.
Schufa score 9420 (excellent). 0 hard inquiries in last 12 months. 0 prior delinquencies. Internal PD 0.42 % (12-month).
Task: Compute DSTI ratio with base and stress scenarios.
Base DSTI 28.4 % (under 40 % ceiling). +200 bps stress DSTI 32.1 % (still under ceiling, but household budget gap of €34/month under unemployment-scenario combined with stress). Recommended max: €72,000.
“Bei Kreditentscheidungen ist die Kapitaldienstfähigkeit des Kreditnehmers eingehend zu prüfen.”
Task: Walk each origination policy rule and check pass/fail with reference.
14 of 15 rules PASS. 1 CONDITIONAL: rule 7.3 (long-tenor consumer loans > 60 months require second income verification when requested amount > €75k).
“Consumer loans with tenor > 60 months and amount > €75k require a second documented income source or co-applicant.”
Task: Annotate every decision step with the relevant MaRisk and CRR references.
6 citations generated, one per decision step, all traceable.
Task: Aggregate all sub-agent outputs into the final decision package.
Decision: CONDITIONAL APPROVAL. Recommended amount €72,000 / 84 months / 4.7 % p.a. Conditions: (1) Second income verification, (2) Documented kitchen-renovation quote ≥ €30k.
Task: Assemble the final decision and rationale for the relationship manager.
Package ready. Decision rationale defensible against MaRisk BTO 1 + CRR Art. 178 + Origination Policy 7.3.