01 July 2024

How is the debt burden ratio calculated?

The debt burden indicator is the ratio of the borrower's average monthly loan payments to his average monthly income.

For example, if a citizen with an average monthly salary of 7 million soums has an average monthly loan payment of 6 million soums, his debt burden indicator will be 86%. That is, 6:7=0.86

In international experience, the upper limit of the debt burden is set differently, for example, in Austria, Greece it is 40%, in the UK it is 45%, in China it is 55%. The company has set the upper limit today as 50%.