To assess the borrower's financial situation - individual banks establish indicators and their optimal values depending on the type of loan (for purchase or construction of housing, purchase of transport assets, durable goods, in other areas), its volume and period, type of security (collateral) for the loan. Class borrower's a financial asset is determined without regard to the criterion classification of credit transaction "level of credit operation ". Evaluation of the financial condition of the borrower should consider quantitative and quality indicators (factors) that may in some way affect obligations of the borrower on the loan, with a certain level of possible impact on compliance with the credit agreement by establishing optimal values and the corresponding points for each of the indicators (Factors) and shall be based on the type and term of the loan, which provided. When determining the creditworthiness of the borrower - individual have taken into account both quantitative (economic creditworthiness) and qualitative characteristics (personal creditworthiness) of the borrower, which proved reliable documents issued by a third party (certificate of employment, certificate the income statement (certificate) bank account of cash flow and