Debt-service-to-income

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.

01.01.2025