2. CapacityAlthough the character of someone related credit in his past is nice, but its ability to return the loan in the present is determined by the current financial situation. Therefore, the criterion of capacity are intended for measuring the ability of prospective debtor paying in installments monthly in a timely fashion. You can measure this yourself by comparing monthly revenue with spending routine. It is best if the entire combination of repayments to your credit does not take more than 30% of income per month.
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