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. Forbhreathnú

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

3. Caighdeáin ghaolmhara

• EBA - Published by the European Banking Authority at https://www.eba.europa.eu/