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Debt-service-to-income

Update date: 10 Mar 2026, 15:19

Loan Category

Cap

Exceptions

Effective Date

All loans to individuals

50%

Excluded loans:

loans to individual entrepreneurs;
loans provided under family entrepreneurship development programs;
education loans.

Within the bank’s total number of loans to individuals:

up to 15% of loans may have a DSTI of up to 100 percent;
for up to 15% of loans, the cap may not apply to loans for income-generating activities to self-employed persons who were first registered less than 6 months prior to the application.

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