From October 1, 2019, when making a decision on granting a loan to an individual in the amount of ten thousand rubles or more, as well as increasing the credit limit on a bank card, the borrower’s debt burden will be calculated.

When calculating the borrower's debt burden, banks will independently establish a list of documents confirming the borrower's income, taking into account the approximate list defined in the regulatory document of the Bank of Russia.

At the same time, during one year, from October 1, 2019 to October 1, 2020, banks can take into account the income indicated by the borrower in the loan application and not confirmed by the necessary documents used in determining the average monthly income of the borrower when granting the loan up to 50 thousand rubles.

When calculating the borrower's debt load, banks will take into account data on all obligations of the borrower, including debts for all loans and borrowings.

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