85. For the purposes of the creditworthiness assessment of consumers, institutions and creditors …

For the purposes of the creditworthiness assessment of consumers, institutions and creditors should have available, and use, information supported by necessary and appropriate evidence, in relation to at least the following:

• a. purpose of the loan, when relevant to the type of product;
• b. employment;
• c. source of repayment capacity;
• d. composition of a household and dependents;
• e. financial commitments and expenses for their servicing;
• f. regular expenses;
• g. collateral (for secured lending);
• h. other risk mitigants, such as guarantees, when available.

Institutions and creditors can consider the use of specific information, data items and evidence set out in Annex 2.

1. Overview

1.1 References

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

3. Related Standards

• EBA -

  EN: Guidelines and other publications of the European Banking Authority (EBA), https://www.eba.europa.eu/. © European Banking Authority. Reproduction is authorised provided the source is acknowledged (EBA legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the versions published by the EBA are authoritative.

  DE: Leitlinien und weitere Veröffentlichungen der Europäischen Bankenaufsichtsbehörde (EBA), https://www.eba.europa.eu/. © European Banking Authority. Wiedergabe mit Quellenangabe gestattet (Rechtlicher Hinweis der EBA). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Maßgeblich sind allein die von der EBA veröffentlichten Fassungen.