This is a python command-line interface application that allows users to see qualifying loans from lenders quickly and easily. The application works by that taking in a daily_rate_sheet of loan criteria from various loan providers, asks the user a number of questions to evaluate their loan eligibility, and then returns to them a list of qualifying loans. User also has the option to save a .csv of qualified loans to a output path of their choice.
This project leverages python 3.7 with the following packages:
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fire - For the command line interface, help page, and entrypoint.
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questionary - For interactive user prompts and dialogs
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pytest - For basic assertion testing of financial calculators and filters, and filio.
Before running the application first install the following dependencies.
pip install fire
pip install questionary
pip install pytest
pip install mkdocsCredit Score Filter. This script filters a bank list by the user's minimum credit score.
"""Filters the bank list by the mininim allowed credit score set by the bank.
Args:
credit_score (int): The applicant's credit score.
bank_list (list of lists): The available bank loans.
Returns:
A list of qualifying bank loans.
"""
credit_score_approval_list = []
for bank in bank_list:
if credit_score >= int(bank[4]):
credit_score_approval_list.append(bank)
return credit_score_approval_list
Debt to Income Filter. This script filters the bank list by the applicant's maximum debt-to-income ratio.
"""Filters the bank list by the maximum debt-to-income ratio allowed by the bank.
Args:
monthly_debt_ratio (float): The applicant's monthly debt ratio.
bank_list (list of lists): The available bank loans.
Returns:
A list of qualifying bank loans.
"""
debit_to_income_approval_list = []
for bank in bank_list:
if monthly_debt_ratio <= float(bank[3]):
debit_to_income_approval_list.append(bank)
return debit_to_income_approval_list
Loan to Value Filter. This script filters the bank list by the applicant's maximum home loan to home value ratio.
"""Filters the bank list by the maximum loan to value ratio.
Args:
loan_to_value_ratio (float): The applicant's loan to value ratio.
bank_list (list of lists): The available bank loans.
Returns:
A list of qualifying bank loans.
"""
loan_to_value_approval_list = []
for bank in bank_list:
if loan_to_value_ratio <= float(bank[2]):
loan_to_value_approval_list.append(bank)
return loan_to_value_approval_list
Max Loan Size Filter. This script filters the bank list by comparing the user's loan value against the bank's maximum loan size.
"""Filters the bank list by the maximum allowed loan amount.
Args:
loan_amount (int): The requested loan amount.
bank_list (list of lists): The available bank loans.
Returns:
A list of qualifying bank loans.
"""
loan_size_approval_list = []
for bank in bank_list:
if loan_amount <= int(bank[1]):
loan_size_approval_list.append(bank)
return loan_size_approval_list
To use the loan qualifier application simply clone the repository and run the app.py with:
python app.pyUpon following the loan qualifier prompts you will find below various input-dependent results.
Brought to you by Robert Giannini. LinkedIn: https://www.linkedin.com/in/robertgianninijr/
MIT