The major factor, influencing the amount of the credit limit, is the credit history, Cofounder of Monobanl Dmitri Dubilet told during interview to Economic Truth, ET reports.
“There are many factors (on which the credit limit depends - ET). First of all, the credit history. Beside it, we use thousands of parameters in the credit model, but as to the specific weight, the factor 1 and factor 3 are the data from the Bureau of Credit Histories”, he noted.
“If there is an impeccable discipline, then the probability of obtaining a high limit is much higher. Plus, of course, the current income is the key parameter”, he added.
According to him, 60% clients have the credit limit or payment by instalments. Out of them, about 80% used it once. The average credit amount, average limit, which we currently set to clients – UAH 20-30 ths. The maximum credit limit is UAH 100 ths.
