statement (certificate) from the bank account of cash flow and (If any) the borrower's credit history, credit confirmed reports credit bureau). In particular, the qualitative characteristics of the borrower are: - The general financial position of the issuer (the presence of the property and copies relevant supporting documents to his ownership of that certified in the prescribed manner); - Social stability of the client (ie the presence of continuous operation, goodwill, marital status, etc.); - The age of the client; - Credit History (intensity of use of banking loans / guarantees in the past and the timeliness of their repayment and payment interest / fees for them), including those obtained from credit bureau stories. The main quantitative indicators to assess the financial condition of the borrower - Individual particular include: - The total net revenue (estimated total monthly income, reduced in the total costs and liabilities); - Savings accounts at the bank (information available upon request borrower);