Guidelines on credit relations

These Guidelines are not binding for the banks. They are informative and educational documents, seeking to provide orientation for the relevant parties that decide to enter into a credit relation or need to restructure the existing credit relation.

Guidelines on credit restructuring

The Guidelines on credit restructuring provide orientation for both banks and borrowers during credit restructuring, to encourage a healthy process.

The Guidelines are drafted in two separate documents, for households and enterprises, respectively, to distinguish the relations of each group of such borrowers.

Guidelines on real estate appraisal

The Guideline on the appraisal of real estate, pledged as collateral for a loan, seeks to lay down some basic principles that guide the entire process of real estate appraisal.