Banks must not substitute behavioural-model estimates for income that can be established through documents or government information systems, under CBA decision No.39/3 of September 15, 2026.
Acceptable evidence includes salary, scholarship, pension and benefit certificates, deposit-interest records and other income documentation. Local media report that the requirement applies to credit obligations arising after November 10.
The change prioritises verifiable income when it is available. It limits the use of estimates; it does not prohibit every loan issued without a paper income certificate.