Banks check a fixed set of numbers before they'll even look at your case. Miss one, and it's usually an automatic no. Nomi shows you that checklist — with your own numbers, privately.
A rejection rarely comes with a real explanation. See the checklist banks actually use — debt, equity, the stress test — and what’s worth fixing before you try again.
Four numbers decide whether a bank considers you at all. Nomi shows you all four, with your real numbers, in about two minutes.
Debt-to-income, loan-to-value, equity, the stress test — miss one and it's usually an automatic no, whoever you are. Check all four before you apply.
Drag a few sliders and watch your monthly cost update live. Borrow less, wait a few months, pay off a card first — see what actually changes.
Skip the jargon. Ask "Can I afford this?" in plain words and get an answer based on your real numbers — on your phone, nowhere else.
Track where your income goes, your interest costs, and your debt-free date — and see how much paying a bit extra each month actually saves.
Compliance, buffer and loans on one calm screen.
Most finance apps upload your life to a server. Nomi does the opposite: the math and the AI run on the device in your hand. There's simply no server-side copy of your money to leak, sell, or subpoena.
Pass these four checks and a bank will actually look at your case. Miss one, and it's often an automatic no — whatever else looks good on paper. Here's what Nomi checks, in plain language. It's an indication, not a guarantee — the final call is always the bank's.
Total debt can be at most five times your gross annual income.
A mortgage can cover up to 90% of the property's value (60% for home credit lines).
You need to cover at least 10% of the purchase price with your own capital.
You must still cope if rates rise 3 points — and by at least 7% in total.
Above 60% LTV you must pay down principal every month — no interest-only.
Unsecured consumer loans must be repaid within five years.
Net income, household and municipality — that's it. It stays on your device, and you can change it anytime.
Model a new mortgage or consumer loan and instantly see compliance, monthly cost and your stress-rate buffer.
"Can I afford this?" "Should I refinance?" Nomi answers from your real figures, privately, on-device.
Download Nomi and find out if you'd pass — before you apply. Your numbers stay yours.