> ## Documentation Index
> Fetch the complete documentation index at: https://docs.txcloud.thetekcircle.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Evaluation de Credit

> Evaluez la solvabilite avec TXCloud LendingRisk

## Apercu

LendingRisk fournit une evaluation de credit complete incluant le scoring de credit alternatif, la verification des revenus et l'analyse d'accessibilite financiere - concu pour les marches emergents ou les bureaux de credit traditionnels ont une couverture limitee.

## Demarrage Rapide

<CodeGroup>
  ```javascript JavaScript theme={null}
  const assessment = await txcloud.lending.assess({
    applicant: {
      id: 'usr_abc123',
      first_name: 'Mohammed',
      last_name: 'El Amrani',
      date_of_birth: '1990-05-15',
      phone: '+212612345678',
      national_id: 'AE123456'
    },

    employment: {
      status: 'employed',
      employer_name: 'Acme Corp',
      monthly_income: 25000,
      income_currency: 'MAD'
    },

    loan_request: {
      amount: 100000,
      currency: 'MAD',
      term_months: 36,
      purpose: 'personal'
    },

    data_sources: ['bank_statements', 'bureau']
  });

  console.log('Decision:', assessment.decision.recommendation);
  console.log('Score de Credit:', assessment.credit_score.score);
  console.log('Accessible:', assessment.affordability.affordable);
  ```

  ```python Python theme={null}
  assessment = txcloud.lending.assess(
      applicant={
          "id": "usr_abc123",
          "first_name": "Mohammed",
          "last_name": "El Amrani",
          "date_of_birth": "1990-05-15",
          "phone": "+212612345678"
      },
      employment={
          "status": "employed",
          "monthly_income": 25000,
          "income_currency": "MAD"
      },
      loan_request={
          "amount": 100000,
          "term_months": 36,
          "purpose": "personal"
      }
  )
  ```
</CodeGroup>

## Reponse d'Evaluation

```json theme={null}
{
  "id": "lra_a1b2c3d4e5f6",
  "status": "completed",

  "decision": {
    "recommendation": "approve",
    "confidence": 0.87,
    "max_approved_amount": 100000,
    "suggested_term_months": 36
  },

  "credit_score": {
    "score": 720,
    "grade": "B+",
    "percentile": 75,
    "factors": {
      "positive": ["Emploi stable", "Revenus reguliers", "Faible endettement"],
      "negative": ["Historique de credit limite"]
    }
  },

  "income_analysis": {
    "stated_income": 25000,
    "verified_income": 24500,
    "income_match": true,
    "income_stability": "stable"
  },

  "affordability": {
    "monthly_income": 24500,
    "monthly_expenses": 12000,
    "existing_debt_payments": 2500,
    "proposed_payment": 3200,
    "remaining_after_loan": 6800,
    "affordable": true,
    "dti_after": 0.23
  },

  "pricing": {
    "risk_tier": "A",
    "suggested_rate": 12.5,
    "rate_range": { "min": 11.0, "max": 14.0 }
  }
}
```

## Pre-Qualification

Verification rapide avant l'evaluation complete :

```javascript theme={null}
const preQual = await txcloud.lending.prequalify({
  applicant_id: userId,
  monthly_income: 25000,
  existing_monthly_debts: 2500,
  loan_amount: 100000,
  loan_term_months: 36
});

if (preQual.likely_qualified) {
  // Proceder a la demande complete
  showFullApplication();
} else {
  // Afficher des options alternatives
  showAlternatives(preQual.estimated_max_amount);
}
```

## Verification des Revenus

Verifiez les revenus declares a partir des releves bancaires :

```javascript theme={null}
// Telecharger les releves bancaires
const upload = await txcloud.lending.statements.upload({
  applicant_id: userId,
  documents: [{
    type: 'bank_statement',
    bank_name: 'Attijariwafa Bank',
    file: statementBase64,
    period_start: '2024-07-01',
    period_end: '2024-12-31'
  }]
});

// Obtenir les resultats d'analyse
const insights = await txcloud.lending.statements.getInsights(upload.id);

console.log('Revenu Mensuel Moyen:', insights.income.average_monthly);
console.log('Stabilite des Revenus:', insights.income.stability);
console.log('Categories de Depenses:', insights.expenses.by_category);
```

### Insights des Releves

```json theme={null}
{
  "income": {
    "total": 147000,
    "average_monthly": 24500,
    "sources": [
      { "category": "salary", "amount": 147000, "percentage": 100 }
    ],
    "trend": "stable"
  },

  "expenses": {
    "total": 72000,
    "average_monthly": 12000,
    "by_category": [
      { "category": "rent", "amount": 30000, "percentage": 42 },
      { "category": "utilities", "amount": 6000, "percentage": 8 },
      { "category": "groceries", "amount": 12000, "percentage": 17 }
    ]
  },

  "debt_payments": {
    "total": 15000,
    "monthly_average": 2500,
    "identified_loans": [
      { "lender": "Credit Bank", "type": "car_loan", "monthly_payment": 2500 }
    ]
  },

  "financial_health_score": 78,
  "red_flags": [],
  "positive_indicators": ["Salaire regulier", "Epargne saine", "Pas de decouverts"]
}
```

## Verification d'Accessibilite

Evaluez si un pret est accessible :

```javascript theme={null}
const affordability = await txcloud.lending.affordability.check({
  applicant_id: userId,
  monthly_income: 24500,
  monthly_expenses: 12000,
  existing_debt_payments: 2500,
  proposed_loan: {
    amount: 100000,
    term_months: 36,
    rate: 12.5
  }
});

console.log('Accessible:', affordability.affordable);
console.log('Mensualite:', affordability.monthly_payment);
console.log('Ratio Endettement Apres Pret:', affordability.ratios.dti_proposed);

// Test de stress
console.log('Toujours accessible a +2% de taux:',
  affordability.stress_test.rate_increase_2pct.still_affordable);
```

## Surveillance Continue

Surveillez les emprunteurs pour les changements de risque :

```javascript theme={null}
// S'abonner a la surveillance
await txcloud.lending.monitor.subscribe({
  borrower_id: userId,
  loan_id: loanId,
  alert_triggers: [
    'score_decrease_50',
    'missed_payment',
    'new_debt',
    'income_change'
  ],
  webhook_url: 'https://votreapp.com/webhooks/lending'
});

// Vous recevrez des webhooks pour les alertes
// Evenement: lending.monitor.alert
```

## Grades de Score de Credit

| Grade | Plage de Score | Niveau de Risque         |
| ----- | -------------- | ------------------------ |
| A+    | 800-850        | Excellent                |
| A     | 750-799        | Tres Bon                 |
| B+    | 700-749        | Bon                      |
| B     | 650-699        | Correct                  |
| C+    | 600-649        | En dessous de la moyenne |
| C     | 550-599        | Faible                   |
| D     | 300-549        | Tres Faible              |

## Sources de Donnees

LendingRisk peut utiliser plusieurs sources de donnees :

| Source            | Donnees Fournies                          |
| ----------------- | ----------------------------------------- |
| `bank_statements` | Revenus, depenses, flux de tresorerie     |
| `bureau`          | Historique de credit (si disponible)      |
| `telecom`         | Utilisation airtime, patterns de recharge |
| `mobile_money`    | Historique des transactions               |
| `employer`        | Verification d'emploi                     |

<Tip>
  Plus de sources de donnees = evaluation plus precise. Utilisez les releves bancaires quand c'est possible.
</Tip>

## Bonnes Pratiques

<AccordionGroup>
  <Accordion title="Commencez par la Pre-Qualification" icon="filter">
    Utilisez l'endpoint prequalify pour filtrer les candidats avant l'evaluation complete.
  </Accordion>

  <Accordion title="Demandez les Releves Bancaires" icon="file-invoice">
    Les releves bancaires fournissent la verification de revenus la plus precise.
  </Accordion>

  <Accordion title="Considerez les Tests de Stress" icon="chart-line-down">
    Verifiez toujours si le pret reste accessible dans des scenarios de stress.
  </Accordion>

  <Accordion title="Surveillez les Prets Actifs" icon="eye">
    Mettez en place une surveillance pour une alerte precoce des changements de risque de l'emprunteur.
  </Accordion>
</AccordionGroup>

## Prochaines Etapes

<CardGroup cols={2}>
  <Card title="Verification d'Entreprise" icon="building" href="/fr/guides/business-verification">
    Verifiez les entites commerciales
  </Card>

  <Card title="Reference API" icon="code" href="/api-reference/overview">
    Explorez les endpoints LendingRisk
  </Card>
</CardGroup>