def classify_loan(text):
    t = text.lower()

    if "מתווה בנק ישראל" in t or "ריבית 0" in t:
        return "SPECIAL_FIXED_0", "fixed", False, 0.99

    if "פריים" in t:
        return "PRIME", "variable", False, 0.95

    if "קבועה" in t and "לא צמוד" in t:
        return "FLAC", "fixed", False, 0.93

    if "משתנה" in t and "לא צמוד" in t:
        return "VNL", "variable", False, 0.92

    if "קבועה" in t and "מדד" in t:
        return "CI_FIXED", "fixed", True, 0.93

    if "משתנה" in t and "מדד" in t:
        return "CI_VARIABLE", "variable", True, 0.92

    return "UNKNOWN", None, None, 0.50