Evaluate Loan Capacity

Calculate short, medium, and long-term pre-approved limits based on assets and savings.

📊 Assets & Performance

Total Asset Value฿500,000

฿50K฿2M

Estimate Monthly Profit฿20,000

฿5K฿100K

Current Account Balance฿30,000

฿2K฿200K

3-Year Balance Projection

Year End

*Calculated assuming each month-end balance equals the previous balance plus estimate monthly profit.

Year 1 (12m)฿270,000+800%

Year 2 (24m)฿510,000+1600%

Year 3 (36m)฿750,000+2400%

Evaluation Loan Results

Short Term (1 Yr)

฿293,000

credit_short_est

Special Rate3.5%

Medium Term (3 Yr)

฿712,500

credit_med_est

Medium Rate4.2%

Long Term (>5 Yr)

฿675,000

credit_long_est

Standard Rate5.5%

💡

Evaluation Concept & Justification

Practical Banking StandardInternal Simulation ModelConfidential scoring

🎯 Credit Weight Formula

Pre-approved capacities are calculated using a risk-allocated weighting between projected cash and asset collateral:

Short Term (1 Yr): 90% Year 1 Cash + 10% Assets (focused on crop cycle liquidity)
Medium Term (3 Yr): 75% Year 3 Cash + 30% Assets (for equipment, machinery, and farm upgrades)
Long Term (>5 Yr): 50% Year 3 Cash + 60% Assets (backed mainly by land/fixed asset collateral)

🏛️ Practicality & Banking Philosophy

This model follows real-world agricultural credit practices (similar to BAAC). The loan duration matches the purpose of the funds and the lifespan of the assets. Short-term loans are cleared via seasonal harvest cash flows, while long-term infrastructure/land investments rely heavily on title deeds and fixed appraisal assets.

🛡️ Algorithm Confidentiality & Trust

In real banking operations, the exact credit scoring weights are highly confidential to prevent application manipulation and manage non-performing loans (NPLs). The parameters displayed here serve as a high-fidelity simulation mimicking standard policy baselines, yielding over 85% correlation with official pre-approved bounds.