How banks assess loan eligibility

The article discusses how banks and financing companies evaluate the suitability of loans in relation to beneficiaries' income. It emphasizes relying on a debt burden ratio that should not exceed 50% of the net monthly income. The text highlights the importance of accurately calculating monthly installments based on personal data such as income, repayment period, and interest rate, in order to avoid financial default and maintain financial stability. It also stresses the need not to rely solely on the maximum allowed installment limit, while taking into account living conditions and future commitments.

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