Verified local facts
The shortlist exit funnel removes options at six evidence and household-fit checkpoints, records each exit reason and preserves a no-borrow fallback instead of forcing a winner.
Evidence reviewed
Help a Mauritius household make a shortlist with fallback using attributable evidence and a stop condition.
Decision checklist
The shortlist exit funnel removes options at six evidence and household-fit checkpoints, records each exit reason and preserves a no-borrow fallback instead of forcing a winner; review marker 130 applies this device only to “make a shortlist with fallback Mauritius” and the evidence boundaries named on this page.
Open with an attributable research set
Include a provider only when its exact identity and relevant product evidence can be cited with checked dates. State the set's limits and do not call it the Mauritius market. Familiarity, advertising prominence and prior inclusion are insufficient. MCB and MauBank records stay distinct. An option can enter research while essential fields remain unknown, but those unknowns travel visibly to the first checkpoint.
Checkpoint one: identity and ownership
Match legal name from Bank of Mauritius material with provider-owned domain and exact product page. Resolve brand or legal-name differences through attributable evidence. Exit when identity or channel ownership remains materially unclear by the household decision date. This exit does not allege unlawful activity or product withdrawal. It states only that the evidence set cannot support controlled engagement for this decision.
Checkpoint two: purpose and basic fit
Compare the provider's visible product description with the household purpose and non-negotiable constraints. Do not predict eligibility or treat a published criterion as acceptance. Missing details become authenticated questions. Exit when the product clearly addresses another purpose, a necessary condition conflicts with the household situation, or the provider cannot clarify an essential field. Preserve the exact provider-owned evidence behind the reason.
Checkpoint three: traceable cost evidence
For MCB, keep rate material linked to exact MCB context, currency, basis and date. For MauBank, use only MauBank-owned evidence or a private MauBank quotation. Never fill one provider from another. Exit when essential amount, currency, basis, charges, term or conditions cannot be made comparable without guesses. Lack of comparable evidence is not proof that the option costs more.
Checkpoint four: workable service route
Map clarification, evidence submission, quotation, contract delivery and future queries to authenticated channels with receipts and fallback. Consider accessibility, travel, language, privacy and household record needs. Do not rank branch, phone or digital routes universally. Exit when a critical task has no verified workable route or requires uncontrolled disclosure. Record the operational reason separately from product cost or approval expectations.
Checkpoint five: household resilience
Place the provider's attributable or privately quoted repayment evidence into the current household budget, keeping income uncertainty, existing commitments, variable essentials and a fallback reserve visible. Do not infer affordability from provider criteria or an approval message. Exit when the household cannot preserve essentials or withstand a documented stress scenario under the proposed obligation. The reason belongs to household capacity, not provider quality.
Checkpoint six: current personal proposition
Request and review a complete personal proposition only after earlier checkpoints pass. Preserve provider, product, amount, currency, rate basis, charges, schedule, conditions, expiry and delivery channel where stated. Recheck public evidence without assuming it controls the quotation. Exit on material contradictions, missing essentials, expired terms or unresolved changes. Surviving means reviewable, not approved, signed or disbursed.
Choose exit, pause or fallback
Record every removed option and evidence-led reason, then compare survivors without paid position or automatic score. The household may pause for one bounded clarification, select an option for contract review, reduce or delay the project, seek a different lawful funding structure, or choose no borrowing. A no-borrow result is a valid funnel output. Reopening an exited option requires new attributable evidence, not sales pressure or a desire to keep a target shortlist size. Build a shadow shortlist to test whether the funnel is evidence-led or merely defending an early favourite. The shadow reviewer receives household constraints and the attributable provider records but not brand order, advertising exposure or the primary reviewer's surviving set. They run the six checkpoints independently and record exits with exact evidence and unknowns. Compare the two outputs by checkpoint, not by final name. A difference caused by one reviewer estimating a missing charge, overlooking an inaccessible channel or treating published criteria as approval evidence is a process defect. Repair the checkpoint and rerun both funnels. A genuine judgement difference is documented with the household trade-off and the evidence each reviewer weighted; it is not averaged into a score. Next, perform an empty-funnel test. Remove every option that lacks essential traceability or household resilience and confirm that the process permits no survivor. Write a fallback plan for reduced amount, delayed purpose, additional saving, a different lawful structure or no borrowing without promising availability. Finally, apply a re-entry rule. An exited provider returns only when new attributable evidence resolves the exact exit reason and all later checkpoints are rerun; familiarity, a phone promise or a need to reach three options is insufficient. The shadow shortlist closes when another reviewer can reproduce every entry, exit and pause from preserved evidence. Agreement increases process confidence but never becomes a recommendation, approval prediction or claim that omitted providers are unsuitable.