The capacity of refunding of a loan in fact rising liquidities can be released at the limit to refund it.

For the refundable loans monthly by a private individual , they are his monthly incomes minus its incompressible loads. The Banque S use in particular standards corresponding to a percentage of the stable incomes of the borrower (for example 25 or 30% of the wages).

To know how to calculate its debt, more with the keys of the bank.

This calculation is in particular operated by the agencies of financial Notation.

For the loans with a company , it is:

• For a medium-term loan, the “free” Capacité of self-financing (= after deduction of the needs for current investments incompressible) which it can release in each term of damping of the loan.
• For a short-term loan, it is the rising one of its treasury foreseeable with the expiry by holding account in particular payments that the company will receive its customers before this date.