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Affordability calculator
ID MOD-027
System SD05
Repo bank-credit
Build status Deployed
Deployed Yes
Last commit 19b0610

Computes net disposable income from verified income, committed expenses, HEM/Henderson benchmarks, and existing debt. Documents calculation for every application. See ADR-014.

Module dependencies

Depends on

Module Title Required? Contract Reason
MOD-010 CDD tier assignment engine Required contract/api/ KYC CDD profile is required to confirm customer identity before affordability assessment can proceed.
MOD-042 CDC pipeline — Neon logical replication to S3 Iceberg Optional — Transaction history from the CDC pipeline improves income verification accuracy.
MOD-104 AWS shared infrastructure bootstrap Required — AWS shared infrastructure provisioned by MOD-104 (EventBridge buses, S3, KMS, Kinesis, Cognito) is required before this module can be deployed.
MOD-103 Neon database platform bootstrap Required — Neon database and schema provisioned by MOD-103 must exist before this module can read or write Postgres.
MOD-128 Credit bureau enquiry and CCR integration Required — V001 reuses credit.fn_immutable_row() created by MOD-128 V001 and credit.idempotency_keys created by MOD-128 V002 — both must exist before MOD-027 migrations run.

Required by

Module Title As Contract
MOD-028 Credit score & risk rating Hard dependency —
MOD-029 Pre-approval engine Hard dependency —
MOD-084 Open banking data access — data recipient Optional enhancement —
MOD-117 Overdraft management engine Hard dependency —

Policies satisfied

Policy Title Mode How
CRE-002 Responsible Lending Policy CALC Responsible lending obligation met — affordability assessment documented automatically for every application
CRE-003 Credit Decisioning & Scorecard Policy LOG Affordability calculation is the credit decision artefact — consistent, auditable, regulator-ready
CON-004 Product Disclosure & Sales Practice Policy LOG Repayment amount, total interest payable, and total cost are captured on every affordability assessment row and returned in the response — the calling module (MOD-029) is responsible for invoking MOD-050 to deliver disclosure to the applicant before acceptance.
REP-005 Data Quality & Assurance Policy LOG Credit decision data lineage from input to output fully traceable in Snowflake

Capabilities satisfied

Capability Title Mode How
CAP-069 Affordability calculator (CCCFA/NCCP compliant) CALC Calculates net disposable income against the proposed repayment commitment, producing a compliant affordability outcome under CCCFA/NCCP.

Part of SD05 — Credit Decisioning & Loan Platform Compiled 2026-05-22 from source/entities/modules/MOD-027.yaml