After all, there may be many loans, but these will be, for example, three credit cards that the borrower’s entire malaysia telegram data family uses, and he pays them off during the grace period and does not pay a penny of interest to the banks.
Here, the debt burden indicator (abbreviated as DBI) helps us out. It has a clear interpretation — the share of income that a person spends on servicing loans and credits. If it is more than 50%, then these are already increased risks. And our situation in unsecured lending (consumer loans. — Ed.) two years ago was such that 36% of loans were issued by banks to people who spent more than 80% of their income on servicing debts. That is, of course, there are people who manage to effectively use the grace period and not pay interest, but they are a minority.
– How can this be? How do people live in such a case?
— There are several explanations. Firstly, perhaps because they cannot confirm their income. Let’s say they receive part of their salary in an envelope. Secondly, this is only one of the spouses. And the family also has the salary of the second spouse. They live on it. And we calculate the debt burden indicator for each specific person.
– Why not for the family? The budget is in most cases shared
— We believe that an individual approach is more conservative and also fairer: it encourages the spouse who earns consumer experience: how important is it in the digital age more to take out a loan. And, unfortunately, the divorce statistics in our country are not the most optimistic, which also speaks in favor of calculating the debt burden alb directory on an individual basis. At the same time, we allow banks to use a number of approaches to assessing the borrower’s income: from a tax certificate to the banks’ own models.