Financial Guides & Market Insights

The 35% Debt-to-Income Rule: How to Calculate Your Real Borrowing Capacity

Understand how credit institutions apply the 35% debt-to-income ceiling, the impact of disposable income, and key levers to optimize your profile.

Standard Auto Loan, Hire Purchase or Personal Contract Hire: Which Financing Option to Choose?

Dedicated car loan, lease with purchase option (hire purchase) or long-term lease: impartial breakdown of total cost, mileage limits, and flexibility for your next vehicle.

Preparing Your Credit Application: 4 Decisive Criteria Analyzed by Lenders

Employment stability, review of the last 3 bank statements, emergency savings, and payment jumps: lender credit committee evaluation grids decoded.