- Factors that characterize the current creditworthiness of the borrower and its financial capacity to fulfill obligations under the loan agreement (Eg, the ratio of total income and expenses / liabilities borrower's gross income for the month and the monthly payment for loan and interest / commission for him); - Collateral (pledge of movable and immovable property, the presence of its insurance, transfer of ownership of the credit facility (Housing, transportation, etc.)) and its liquidity. Bank to calculate basic quantitative indicators to measure financial of the borrower - individual income into account, the fact of receiving for which the loan agreement is confirmed by reliable documents issued by a third party (certificate of employment, certificate the income statement (certificate) bank account of cash flows).