Debt-to-income

Loan Category

Cap

Borrower

Exceptions

Effective Date

Consumer loans and microdebts to individuals

8 times

• Individuals whose average monthly income can be verified;

• Self-employed individuals.

Excluded loans:

• loans to individual entrepreneurs;

• education 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.

01.03.2026

5 times

Individuals whose average monthly income cannot be verified.