Review of DiagnosticPrêt
DiagnosticPrêt is a French web tool for the algorithmic pre-qualification of mortgage applications. In 12 questions covering income, contract, down payment, location and banking history, the tool computes a bankability score out of 100 and identifies the weak points of a file before a meeting with a bank or broker. Designed for atypical profiles (fixed-term contracts, temp workers, freelancers, first-time buyers) underserved by traditional mortgage calculators.
DiagnosticPrêt: Score de bancabilité instantané pour pré-qualifier un dossier de crédit immobilier avant rendez-vous bancaire.
Best for
- First-time buyers preparing their first banking meeting
- Fixed-term, temp, freelance profiles unsure of eligibility
- Buyers who experienced a credit refusal
- Buy-to-let investors choosing bank vs broker
Not ideal for
- Borrowers looking to compare interest rates across banks
- Files outside France: foreign banks, expatriates
- Loans other than mortgage: consumer, auto, business
- Users wanting an official agreement in principle
Pros & cons
- ✅ Unique bankability scoring algorithm in the French market
- ✅ Explicit support for atypical profiles: fixed-term, temp, freelance
- ✅ Fast 12-question flow with score returned in under 2 minutes
- ✅ Dedicated pages by refusal reason to rework a file
- ✅ Editorial content by city with local price-per-sqm data
- ✅ Free and anonymous until optional email capture
- ⚠️ France only: criteria calibrated on French banks
- ⚠️ Indicative score, not an official file review
- ⚠️ No rate comparison, this is a pre-qualification tool
- ⚠️ Lead capture oriented toward broker introduction
Our verdict
DiagnosticPrêt occupies an underserved niche in the French-speaking web: algorithmic pre-qualification of borrower files for individuals. Where traditional simulators answer 'how much can I borrow?', the tool addresses the real question 'will my file be approved?'. Scoring is based on public criteria used by credit committees (debt ratio, employment stability, relative down payment, banking history) and remains indicative, but its core value lies in the transparency it brings to traditionally opaque acceptance rules. Particularly relevant for atypical profiles — fixed-term contracts, temp workers, freelancers — who struggle to get clear information before meetings with bankers. The hub-and-spoke editorial structure, with pages by profile, refusal reason and city, turns the simulator into a structured research tool rather than a one-off calculator. Use it ahead of broker conversations, never as a substitute for an official file review.
Alternatives to DiagnosticPrêt
- Productivity suite with built-in AI: summaries, writing, turning notes into tasks, workspace search, and faster execution for teams.Editor’s pickProject Management+3
- Database of SaaS and startup ideas validated by real user complaints on Reddit, G2 and app stores.Knowledge Base+3
- Real-time monitor for web pages, prices and policies that alerts your team the moment something meaningful changes.Workflow Automation+3
- Reverse face search engine that finds a face among more than 50 million indexed public profiles.Web Scraping+3
- Platform of autonomous AI agents that break down your business goals and execute tasks 24/7 to keep moving them forward.AI AgentsAutonomous Agents+2
- AI meeting assistant that joins, records, transcribes and summarizes your online calls automatically.Meeting Assistant+3
- AI accountant for individuals and businesses that prepares your return and finds deductions, verified by human CPAs.AI AssistantKnowledge Base+2
- Clico is a free Chrome extension that brings an AI writing assistant to every text field on the web.Browser Extension+3
- Findtube AI delivers deep semantic search across a curated educational video library to surface the exact knowledge clip.AI TutorsExam Preparation+1
- FlowchartAI converts text prompts and images into flowcharts and diagrams in seconds with AI.Brainstorming+2
- Lorka AI brings Claude, ChatGPT, Gemini, Grok and Qwen into one workspace for writing, research and creation.AI Assistant+2
- Rankin AI measures your visibility across AI search engines and ships actionable recommendations to outrank rivals.On-Page SEO+3
Read also
FAQ
Is DiagnosticPrêt really free?
Yes, the simulator is fully free. No payment is required to obtain the score out of 100. End-of-flow email capture is optional and is used to receive the detailed diagnostic or to be put in touch with a partner broker.
How is it different from a regular mortgage calculator?
A regular calculator computes the monthly payment or borrowing capacity at a given rate. DiagnosticPrêt evaluates the probability of file approval by a bank, a question rarely addressed by free tools.
How reliable is the score?
The score is an algorithmic estimate based on the criteria used by French credit institutions: debt ratio, employment stability, down payment, banking history. It provides reliable directional guidance but does not replace an official file review by a bank or broker.
Does it work for fixed-term, temp and self-employed profiles?
Yes, this is one of the tool's strengths. The algorithm integrates parameters specific to non-permanent contracts and atypical professional situations, with dedicated pages explaining criteria and improvement levers by profile.
Is my data shared with banks?
No, unless you explicitly request it. As long as you do not validate broker introduction, your data stays within the simulator and is not shared with any banking institution.