Create loan_model.py

loan_model.py

@@ -0,0 +1,14 @@
+import numpy as np
+
+def predict_default(income, loan_amount, credit_score, employment):
+    # Mock risk calculation (replace with real model)
+    base_risk = loan_amount / (income * 12) * 0.3
+    credit_factor = 1 - (credit_score / 850)
+    emp_factor = 1.2 if employment == "Unemployed" else 1.0
+    risk = min(0.95, base_risk * credit_factor * emp_factor)
+    
+    return {
+        "High Risk": risk,
+        "Medium Risk": max(0, (1 - risk) * 0.7),
+        "Low Risk": max(0, (1 - risk) * 0.3)
+    }