Aloqa Bank

Your age:

18 to 25 years old 25 to 45 years old 45 to 60 years old Under 18 and over 60

Total duration of employment:

Over 5 years From 3 to 5 years From 1 to 3 years Up to 1 year

Duration of employment at the last place of work:

Over 5 years From 1 year up to 5 years From 6 months up to 1 year Up to 6 months Unemployed

Average monthly net income:

Over 25 BEV From 10 up to 25 BEV From 4 up to 10 BEV Up to 4 BEV

Debt coverage ratio Net monthly income (income-expense)/monthly loan repayment:

Over 3 From 2 up to 3 From 1.5 up to 2 From 1 up to 1.5 Up to 1

Type of organizational form for the main place of work:

State Institution State Company Individual entrepreneur Other

Availability of dependent persons of the borrower:

Not available Dependent 1 person Dependent from 1 up to 3 persons More than 3 persons

Availability of housing in the property:

Available own property Parents' housing Rent or accommodation of relatives

The presence of additional property:

Retail stores, production shop, machinery, vehicle with an amount of at least 1000 BEV There is a vehicle or other property in the amount of at least 400 BEV Additional property is not available

Availability of a deposit in a Bank:

Has a deposit in a Bank opened more than 3 years ago Has a deposit in the Bank from 1 up to 3 years Has a deposit in the Bank for less than 1 year Does not have a deposit in the Bank

Credit history of borrower:

FAULTLESS – Payments on the principal and interest were made on all previously received loans (for a period of 5 years) GOOD – Payments on the principal and interest were made on previously received loans, however, there were some cases of late payment up to 30 days SATISFACTORY – on previously received loans there was a delay in payment of the principal and interest from 30 up to 90 days MISSING - the borrower has not previously used bank loans NOT SATISFACTORY - that is, for previously received loans there was a delay in payment of the principal and interest for more than 90 days

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