HS
Hamza Sheikh
Over-extended household · Sialkot · APP-24130 · received 29 Sept 2026
Requested
PKR 220,000
Term
9 months
Purpose
Rent advance
- Repay probability
- 14%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 440.
- Utility bills paid on time−86
Paid 1 of 12 utility bills on or before the due date.
- Spending volatility−49
Monthly spending ranged from PKR 53,950 to PKR 151,650.
- Overdrawn days−30
Account was overdrawn about 30.4 days a month.
- Mobile account activity−22
Mobile account was topped up in 8 of the last 12 months.
- Instalments paid on time−18
Paid 2 of 9 previous loan instalments on time.
- Data sources connected+16
5 of 5 data sources connected.
- Days late on instalments−15
Instalments were paid 112.1 days late on average.
Cash flow
Margalla Bank · last 12 months
Money inMoney out
Recommendation
Decline
Fails a hard policy check. Recommend decline with reasons.
- Credit score440 vs approve ≥ 660, decline < 560
- Debt-to-income33% of income vs 40% limit
- Data coverage5 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Overdraft patternOverdrawn ~30.4 days a month
- Utility arrears2 bills unpaid past 30 days
- Monthly instalment
- PKR 27,384
- Verified income
- PKR 84,300
- Existing instalments
- PKR 0
- Max affordable
- PKR 270,000
Income source: median monthly bank deposits
Decision
The model recommends; you decide. A reason is required and goes to the audit log.
Add a short reason to enable the buttons.
Data shared
- Utility bills
- Mobile account
- Mobile wallet
- Bank account
- Repayment history