“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.