New requirements for debt load of individuals are effective from July 01, 2024 !!!
The level of debt load of individuals to obtain a loan should not exceed 50%, taking into account other existing loan obligations.
To obtain a loan, the client - an individual must have officially confirmed income. Income of borrowers/co-borrowers/guarantors can be proved by the following documents:
a) salary data certified by the employer;
b) data on retirement payment amounts;
c) data on individual accumulative retirement contributions of citizens;
d) data on income received on the borrower's bank accounts;
e) data on taxes paid;
f) data on interest income;
When considering applications for loans by persons who do not have official income, their transactions on bank cards and other types of income may be taken into account.
Data on the aforementioned income types must be obtained for at least the last six months.
In case you are a self-employed individual, without officially proven income, you can also use bank loan products. For this purpose you will need to have turnovers on your bank plastic cards for the last 6 months.