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Only Clients with age between 25 and 55 may take a home loan product
Setting Loan amount limits based on data tables - for example different affordabiity limits for Married and Employed types (Married Employed people can take 40% of their Income - where marital status, employment status and income are captured as attributes in data tables)
Limit loan amounts by loan purpose - for example,
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An active client must save at least 25 per week or 100 per month for six months, before allowing withdrawals
If the savings account holder is a guarantor for any loan, then withdrawals should not be allowed if balance falls below 80% of the outstanding loan amount
- Accounts
A client can take a loan with amount upto 20 times the last 6 month’s average monthly closing balance of their savings account(s)
In Savings accounts – a client must maintain a minimum balance of at least 2 installments of their weekly dues on loans
- GroupsBranchesGroups/Branches
New loans of Products X, Y and Z, are not allowed for branches which have more than 10% overdues
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