Debt-to-income
Update date: 5 Nov 2026, 16:41
|
Loan Category |
Cap |
Borrower |
Exceptions |
Effective Date |
|
Consumer loans and microdebts to individuals |
8 times |
|
Excluded loans:
Within the bank’s total number of loans to individuals, the cap may not apply to up to 15% of loans for income-generating activities to self-employed persons who were first registered less than 6 months prior to the application. |
|
|
5 times |
Individuals whose average monthly income cannot be verified. |
