DiagnosticPrêt is a French web tool for __algorithmic pre-qualification__ of mortgage loan applications. In 12 questions covering income, contract, down payment, city and banking history, the tool calculates a __creditworthiness score__ out of 100 and identifies weak points before a meeting with a bank or broker. Designed for __atypical profiles__ (fixed-term contracts, temporary work, self-employed, first-time buyers) often poorly served by traditional loan calculators.
What is DiagnosticPrêt?
DiagnosticPrêt is a free web simulator that assesses by algorithm the creditworthiness of a mortgage loan application. Concretely, the tool asks the user twelve questions about their personal, professional and financial situation, then returns a score out of 100 accompanied by detailed analysis of the strengths and weaknesses of the application. The score reproduces the logic of a bank credit committee: it weighs the projected debt ratio, employment stability, down payment relative to loan amount and quality of banking management. Unlike a loan calculator, which answers the question how much can I borrow, DiagnosticPrêt answers the question will my application be accepted. This nuance changes everything for borrowers in uncertain situations. The tool is published in France, hosted in France, and calibrated to French lending practices. This territorial specialization is a strength: it allows precision impossible to achieve for a generalist tool seeking to cover multiple markets.
Key Features
The simulator relies on twelve parameters to calculate its score. The first group covers the real estate project itself: type of project (primary residence, rental investment, secondary residence), loan amount, loan term and available down payment. The second group analyzes professional situation: contract type (permanent, fixed-term, temporary, self-employed), tenure in position, probation period for recent permanent hires. The third group assesses financial health: monthly net income, presence of frequent overdrafts, banking incidents in the past twelve months. Finally, property location allows cross-referencing the project with average prices per square meter observed locally. At the end of the journey, the user gets a numerical score, a categorization of their profile (premium, standard, fragile, needs rework) and actionable recommendations. The site complements the diagnosis with a rich editorial ecosystem: dedicated pages for atypical profiles explaining their specific criteria, pages by reason for credit refusal to understand improvement levers, and pages by city providing price references and lists of local brokers. This hub architecture allows users to dive deeper into any aspect of their application after getting their initial score, transforming a simple simulator into a true structured research tool.
Use Cases
Four main uses emerge from the tool. The first is preparation for a bank meeting: knowing your score in advance allows you to identify weak points to anticipate and prepare your arguments before meeting with an advisor. The second is deciding between direct approach and using a broker. A high score suggests that a direct approach to your bank will suffice, while an intermediate or low score justifies mobilizing a professional able to advocate for your application to multiple lenders. The third use is simulating the impact of different variables. By changing the down payment, term or waiting for the end of probation, the user can see how their score evolves and plan their project accordingly. The fourth use involves borrowers who have already faced credit refusal. The tool helps them objectively understand the likely reasons for refusal and identify actions to take before trying again. Beyond these individual uses, brokers and wealth advisors also use the tool with their clients as an educational support to explain banking criteria.
Benefits
Three main benefits emerge from using DiagnosticPrêt. Time savings first: the tool avoids chaining bank meetings for poorly calibrated applications. When you know in advance that your score needs prior work, you can focus your efforts on the right levers rather than suffering cascading rejections. Transparency next: the real acceptance criteria of banks are rarely explicit to customers. The tool makes the rules visible and allows borrowers to make informed decisions about their project. Guidance finally: the score guides toward the right channel of action, whether direct bank, generalist broker or broker specialized in difficult profiles. This guidance saves weeks of trial and error for atypical profiles. Added to these benefits is the psychological dimension: for first-time buyers or precarious profiles, knowing where you stand before launching into a stressful process brings clarity that changes the home-buying experience.
Pricing
DiagnosticPrêt is completely free for end users. No credit card is required, no subscription is offered, and use of the simulator requires no prior account creation. The service’s economic model relies on two revenue sources on the publisher side. The first is referrals to partner mortgage brokers at the end of the journey, when the user explicitly expresses interest in professional support. The second is monetizing editorial content through partnerships with financial institutions and mortgage insurers. This structure ensures that the score itself is not biased by commercial considerations: the algorithm objectively evaluates the application, and the commercial dimension only intervenes downstream, with explicit user consent.
Conclusion
DiagnosticPrêt fills a real gap in the ecosystem of French online financial tools. By focusing on algorithmic pre-qualification rather than monthly payment calculation, the tool answers a central question rarely addressed elsewhere: will a given application have a real chance of success. Its added value is particularly clear for atypical profiles and first-time buyers, two populations historically underserved by free tools. Recommended for anyone about to embark on a mortgage process or trying to understand a past rejection, ahead of an exchange with a broker or banking advisor.