Professional money From July 1, the issuance of car loans in the showrooms can be reduced by 40-60%. The reason is the planned refusal of job approvals as a way to confirm income. Such approvals provide up to 90% of the approved income when applying for car loans. From July, the banks will only be able to take into account data from the state systems (the Federal Tax Service, the Social Fund) or a digital profile in the state services. It is likely that the borrower will have to agree separately to access the data for each bank - this will complicate the process. Since April 2026, banks will not accept declared income without documents. And since July, when assessing the solvency, they began to apply regional standards with a deduction of 10%. A complete transition to official sources will limit borrowers with "grey" income and car dealerships, where most loans are given.

Professional money From July 1, the issuance of car loans in the showrooms can be reduced by 40-60%. The reason is the planned refusal of job approvals as a way to confirm income. Such approvals provide up to 90% of the approved income when applying for car loans. From July, the banks will only be able to take into account data from the state systems (the Federal Tax Service, the Social Fund) or a digital profile in the state services. It is likely that the borrower will have to agree separately to access the data for each bank - this will complicate the process. Since April 2026, banks will not accept declared income without documents. And since July, when assessing the solvency, they began to apply regional standards with a deduction of 10%. A complete transition to official sources will limit borrowers with "grey" income and car dealerships, where most loans are given.