As elsewhere in the world, Citadele determines a person's credit rating by evaluating and summing up various criteria according to a special formula.
No delays for loan and other monthly payments;
Official income level, stability
Monthly payment volume comparing to income level
These are the main criteria on which a good credit rating is based on, therefore allows to get a loan with a lower interest rate. Credit rating is also positively affected by age. Over the years, people become more responsible and can get a better loan offer from the bank.