In order to encourage clients to take out loans, bankers havegradually returned to accepting the range of incomes that used toqualify for taking out a loan before the crisis, after almost ayear and a half during which earnings from rent, dividends orroyalties did not qualify. However, there are banks that onlyaccept salaries and pensions when calculating the repaymentcapacity of the credit applicant.
For instance, BRD takes into account 100% of incomes fromsalaries, pensions, life-income agreements, royalties, andchildren's allowances, while 80-90% of dividend, per diem andrent-related incomes are considered. Deposit interest rates are100% considered only for consumer loans.
On the other hand, Austrian-held Volksbank currently onlyaccepts salaries and related incomes when evaluating a client'screditworthiness. "At present we accept net salary incomes, soletrader contracts, and pensions," specified bank representatives.
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