Bank Leumi Romania will start applying as of this month, the new lending conditions to consumers, maintaining the top indebtedness level at 70%, influenced by the foreign currency and type of interests, repayment period, and the pledge.
“Bank Leumi Romania lined up to NBR’s recommendations on caution in lending, and therefore, the current regulations and lending products take into account, in the creditworthiness analysis, the profile of each client and the dynamics of his incomes”, reads the press release.
The regulation to curb the credit risk for natural persons imposes banks to request for fiscal records and to individually set the top indebtedness level. Therefore, the lenders will analyze the creditworthiness “based on a level of incomes considered eligible by lenders, which cannot be 20% higher than last year”, excepting the incomes for which the client can prove its continuity, according to the new regulations.
Translated by Camelia Oancea
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