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Calculating Debt Burden (PDN) per the CBR Methodology

Calculates the borrower's debt burden indicator (PDN) in accordance with the Bank of Russia's methodology. Used to assess creditworthiness.

URL

Method: POST

  • Production: https://registry.wallet.kvell.group/reg2/billing/loans/pdn

Request parameters

Name Type Required Description
confirmedMonthlyIncome number Yes Confirmed average monthly income
unconfirmedMonthlyIncome number Yes Unconfirmed income
unconfirmedIncomeFactor number Yes Factor applied to unconfirmed income
existingMonthlyPayments number Yes Sum of existing monthly payments
creditCards array Yes Credit card data (array of objects with creditLimit and actualMonthlyPayment fields)
requestedLoanAmount number Yes New loan amount
baseAnnualInterestRate number Yes Nominal rate (%)
stressRateAddon number Yes Rate add-on for stress calculation
loanTermMonths integer Yes Loan term in months

Example request

{
  "confirmedMonthlyIncome": 100000,
  "unconfirmedMonthlyIncome": 20000,
  "unconfirmedIncomeFactor": 0.5,
  "existingMonthlyPayments": 15000,
  "creditCards": [{ "creditLimit": 100000, "actualMonthlyPayment": 3000 }],
  "requestedLoanAmount": 800000,
  "baseAnnualInterestRate": 18,
  "stressRateAddon": 3.0,
  "loanTermMonths": 36
}

Request headers

Name Type Required Description
X-Api-Key string Yes Unique identifier (UUID)

Response

Example response

{
  "effectiveMonthlyIncome": 110000.0,
  "calculatedMonthlyPayment": 30140.05,
  "totalMonthlyObligations": 53140.05,
  "pdnPercent": 48.31,
  "riskCategory": "MODERATE",
  "stressedRateUsed": 21.0
}

Response parameters

Name Type Description
effectiveMonthlyIncome number Income accounted for in the calculation
calculatedMonthlyPayment number Calculated payment on the new loan
totalMonthlyObligations number Total obligations
pdnPercent number PDN (%)
riskCategory string Risk category
stressedRateUsed number Rate used under stress (%)