Update app.py

app.py

@@ -146,9 +146,6 @@ with tab1:
     # Reset all form values if restart was clicked
     if st.session_state.restart_clicked:
         st.session_state.restart_clicked = False  # Reset flag
-        
-        # Add any other reset logic here if needed
-        # Note: Streamlit will reset most inputs automatically on rerun
     
     # Personal Information Section
     st.markdown('<div class="section-card"><h3>Personal Information</h3>', unsafe_allow_html=True)
@@ -182,7 +179,7 @@ with tab1:
     
     st.markdown('</div>', unsafe_allow_html=True)
     
-    # Summary section
+    # Summary section - without DTI Assessment or Eligibility Check
     st.markdown('<div class="section-card"><h3>Application Summary</h3>', unsafe_allow_html=True)
     
     total_income = applicant_income + coapplicant_income
@@ -199,94 +196,23 @@ with tab1:
         monthly_payment = loan_amount * (monthly_interest * (1 + monthly_interest) ** num_payments) / \
                         ((1 + monthly_interest) ** num_payments - 1)
     
-    # Calculate proper Debt-to-Income ratio (monthly payment / monthly income)
+    # Calculate DTI for backend use only (not displayed)
     dti = (monthly_payment / total_income) if total_income > 0 else 0
     dti_percent = dti * 100
     
+    # Display summary metrics
     col1, col2, col3 = st.columns(3)
     col1.metric("Total Monthly Income", f"${total_income:,}")
     col2.metric("Estimated Monthly Payment", f"${monthly_payment:.2f}")
     col3.metric("Loan Term", f"{loan_term//12} years")
     
-    # Create DTI visualization section
-    st.markdown("<h4>Debt-to-Income Assessment</h4>", unsafe_allow_html=True)
-    
-    # Cap the displayed percentage at 100% for the visual
-    display_percent = min(dti_percent, 100)
-    
-    # Determine the status and color
-    if dti_percent <= 36:
-        dti_status = "Good"
-        dti_color = "#4CAF50"  # Green
-        emoji = "✅"
-    elif dti_percent <= 43:
-        dti_status = "Moderate"
-        dti_color = "#FF9800"  # Orange
-        emoji = "⚠️"
-    else:
-        dti_status = "High"
-        dti_color = "#F44336"  # Red
-        emoji = "❗"
-    
-    # Create a visual progress bar
+    # Add interest rate disclaimer
     st.markdown(f"""
-    <div style="margin-bottom: 10px;">
-        <div style="background-color: #e0e0e0; border-radius: 10px; height: 20px; width: 100%;">
-            <div style="background-color: {dti_color}; width: {display_percent}%; height: 20px; border-radius: 10px;"></div>
-        </div>
-        <div style="display: flex; justify-content: space-between; font-size: 0.8rem;">
-            <span>0%</span>
-            <span>50%</span>
-            <span>100%+</span>
-        </div>
+    <div style="font-size: 0.8rem; color: #666; margin-top: -10px; margin-bottom: 20px;">
+        * Estimated payment based on {interest_rate*100:.1f}% annual interest rate. Actual rates may vary.
     </div>
     """, unsafe_allow_html=True)
     
-    # Show a simple explanation of DTI with actual values
-    if dti_percent > 100:
-        st.markdown(f"""
-        <div style="padding: 10px; background-color: #FFEBEE; border-radius: 5px; margin-bottom: 15px;">
-            {emoji} <strong>Your monthly payment (${monthly_payment:.2f}) would be {dti_percent/100:.1f}× your monthly income (${total_income:,})</strong>
-            <p style="margin: 5px 0 0 0; font-size: 0.9rem;">Most lenders require this to be below 43% for approval</p>
-        </div>
-        """, unsafe_allow_html=True)
-    else:
-        st.markdown(f"""
-        <div style="padding: 10px; background-color: #F5F5F5; border-radius: 5px; margin-bottom: 15px;">
-            {emoji} <strong>Your monthly payment (${monthly_payment:.2f}) would be {dti_percent:.1f}% of your monthly income (${total_income:,})</strong>
-            <p style="margin: 5px 0 0 0; font-size: 0.9rem;">Most lenders require this to be below 43% for approval</p>
-        </div>
-        """, unsafe_allow_html=True)
-    
-    # Add eligibility check section
-    st.markdown('<h4>Loan Eligibility Check</h4>', unsafe_allow_html=True)
-    
-    eligibility_issues = []
-    
-    # Check minimum income threshold (example: $1500/month)
-    if total_income < 1500:
-        eligibility_issues.append("⚠️ Total monthly income below minimum requirement ($1,500)")
-    
-    # Check if DTI is too high (above 43% is typically problematic)
-    if dti_percent > 43:
-        eligibility_issues.append("⚠️ Debt-to-income ratio exceeds maximum threshold (43%)")
-    
-    # Credit history is critical
-    if credit_history == 0:
-        eligibility_issues.append("⚠️ Existing unsettled loans may affect approval odds")
-    
-    # Display eligibility issues if any
-    if eligibility_issues:
-        st.markdown('<div style="background-color:#FFF3E0;padding:10px;border-radius:5px;margin-bottom:15px;">', unsafe_allow_html=True)
-        st.markdown("<p><strong>Potential eligibility concerns:</strong></p>", unsafe_allow_html=True)
-        for issue in eligibility_issues:
-            st.markdown(f"<p>{issue}</p>", unsafe_allow_html=True)
-        st.markdown("</div>", unsafe_allow_html=True)
-    else:
-        st.markdown('<div style="background-color:#E8F5E9;padding:10px;border-radius:5px;margin-bottom:15px;">', unsafe_allow_html=True)
-        st.markdown("<p>✅ <strong>No obvious eligibility concerns</strong></p>", unsafe_allow_html=True)
-        st.markdown("</div>", unsafe_allow_html=True)
-    
     st.markdown('</div>', unsafe_allow_html=True)
     
     # Prediction and restart buttons
@@ -299,6 +225,11 @@ with tab1:
         restart_button = st.button("🔄 Restart", use_container_width=True, 
                                  help="Reset all form fields and start over")
     
+    # Handle restart button click
+    if restart_button:
+        st.session_state.restart_clicked = True
+        st.rerun()  # Using st.rerun() instead of st.experimental_rerun()
+    
     def preprocess_input():
         # Convert categorical inputs to numerical format based on encoding reference
         gender_num = 0 if gender == "Male" else 1
@@ -327,31 +258,22 @@ with tab1:
             credit_amount_interaction, income_term_ratio
         ]])
     
-    # Handle restart button click
-    if restart_button:
-        st.session_state.restart_clicked = True
-        st.rerun()  # Using st.rerun() instead of st.experimental_rerun()
-    
     # Display prediction
     if predict_button:
         with st.spinner("Processing your application..."):
             input_data = preprocess_input()
             prediction = model.predict(input_data)
             
-            # Apply additional rules to override the model in certain cases
+            # Apply additional rules to override the model in certain cases (backend only)
             manual_rejection = False
-            rejection_reason = ""
             
             # Rule-based rejections that override the model (but don't show to user)
             if total_income < 1500:
                 manual_rejection = True
-                rejection_reason = "Insufficient income"
             elif dti_percent > 50:
                 manual_rejection = True
-                rejection_reason = "Payment too high relative to income"
             elif credit_history == 0 and dti_percent > 35:
-                manual_rejection = True  
-                rejection_reason = "Credit history and payment factors"
+                manual_rejection = True
             
             # Final decision combines model prediction and manual eligibility checks
             final_approval = (prediction[0] == 1) and not manual_rejection
@@ -365,7 +287,7 @@ with tab1:
                 </div>
                 """, unsafe_allow_html=True)
             else:
-                st.markdown(f"""
+                st.markdown("""
                 <div class="result-rejected">
                     <h3 style="color: #C62828;">❌ Loan Not Approved</h3>
                     <p>Unfortunately, based on your current information, we cannot approve your loan application.</p>
@@ -388,33 +310,19 @@ with tab2:
     - Credit history status
     - Loan amount and term
     - Income and employment status
-    - Debt-to-income ratio
     """)
     
     st.write("""
     Our decision engine combines a trained machine learning model with industry-standard lending criteria. 
-    The system evaluates your application against patterns from thousands of previous loan applications 
-    while also applying standard financial rules used by major lenders.
+    The system evaluates your application against patterns from thousands of previous loan applications.
     """)
     
-    st.markdown('<div class="section-card">', unsafe_allow_html=True)
-    st.markdown("<h3>Important Factors for Approval</h3>", unsafe_allow_html=True)
-    st.write("To maximize your chances of approval:")
-    st.markdown("""
-    - Maintain a debt-to-income ratio below 43%
-    - Have sufficient monthly income (minimum $1,500)
-    - Clear existing unsettled loans when possible
-    - Consider adding a co-applicant to strengthen your application
-    """)
-    st.markdown('</div>', unsafe_allow_html=True)
-    
     st.markdown('<div class="section-card">', unsafe_allow_html=True)
     st.markdown("<h3>Key Features</h3>", unsafe_allow_html=True)
     st.write("Our system provides:")
     st.markdown("""
     - Instant loan approval decisions
     - Transparent evaluation process
-    - Detailed eligibility assessment
     - Secure data handling
     """)
     st.markdown('</div>', unsafe_allow_html=True)