AffordabilityRequest

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://artifacts.apis.io/bountyapi-com/json-schema/bountyapi-com-affordability-request-schema.json",
  "title": "AffordabilityRequest",
  "x-generated": "2026-10-30",
  "x-method": "derived",
  "x-generator": "derive-json-schema.py",
  "x-source": "openapi/_original/bountyapi-com-api-openapi.json#/components/schemas/AffordabilityRequest",
  "properties": {
    "monthly_income": {
      "type": "number",
      "exclusiveMinimum": 0.0,
      "title": "Monthly Income",
      "description": "Gross monthly income in SGD (all borrowers combined)"
    },
    "existing_monthly_debt": {
      "type": "number",
      "minimum": 0.0,
      "title": "Existing Monthly Debt",
      "description": "Total monthly debt obligations (car loans, personal loans, credit card min payments, other mortgages)",
      "default": 0
    },
    "property_price": {
      "type": "number",
      "exclusiveMinimum": 0.0,
      "title": "Property Price",
      "description": "Property purchase price in SGD"
    },
    "loan_amount": {
      "anyOf": [
        {
          "type": "number",
          "exclusiveMinimum": 0.0
        },
        {
          "type": "null"
        }
      ],
      "title": "Loan Amount",
      "description": "Requested loan amount. If omitted, calculated from LTV."
    },
    "interest_rate": {
      "type": "number",
      "exclusiveMinimum": 0.0,
      "title": "Interest Rate",
      "description": "Actual interest rate (annual). HDB concessionary: 2.6%, bank: varies",
      "default": 0.026
    },
    "loan_tenure_years": {
      "type": "integer",
      "maximum": 35.0,
      "minimum": 1.0,
      "title": "Loan Tenure Years",
      "description": "Loan tenure in years",
      "default": 30
    },
    "borrower_age": {
      "type": "integer",
      "maximum": 75.0,
      "minimum": 21.0,
      "title": "Borrower Age",
      "description": "Age of youngest borrower",
      "default": 35
    },
    "loan_type": {
      "$ref": "#/$defs/LoanType",
      "description": "Type of loan",
      "default": "bank_private"
    },
    "housing_loan_count": {
      "type": "integer",
      "minimum": 1.0,
      "title": "Housing Loan Count",
      "description": "Number of outstanding housing loans including this one",
      "default": 1
    }
  },
  "type": "object",
  "required": [
    "monthly_income",
    "property_price"
  ],
  "$defs": {
    "LoanType": {
      "type": "string",
      "enum": [
        "hdb",
        "bank_hdb",
        "bank_private"
      ],
      "title": "LoanType"
    }
  }
}