SECTION 4

( 1) Ail natural or legal persons applying for a loan shall be required to provide to the credit provider, information required to assess their repayment capacity. (2) Any natural person applying for a loan shall provide to the credit institution details of his/her financial position, in particular: - monthly payslip(s), where he/she is an employee, and that of the spouse where applicable; - information relating to any other income from investments (rents or financial income ); - where applicable, copyright, royalties, alimony received, disability pensiOns; - declaration of assets; - monthly repayment instalments of current loans (mortgage, car loan, consumer credit, etc.); - rent amount, including rentai charges if a tenant; - building maintenance expenses and property tax, if a ho use owner; - the amount of any support and other compensatory benefits payable; - withholdings on wages and other deductions following a conviction; - the existence of revoiving credits; - sundry taxes and duties; - insurance premiums, including an estimate of those that may be added should the loan request be granted; - any other data that may inform the decision of the credit provider. (3) A legal person applying for a loan shall also be required to provide to the credit institution details of its financial position, in particular: - balance sheets and profit and loss accounts for the last two years; - balance sheets and projected profit and loss accounts for newly registered compames; - monthly repayment instalments of current loans (mortgage, car loan, consumer credit, etc.); 4 - information on any income relating to investments (rents or financial income); - the rent amount including rentai charges, for tenants; - building maintenance expenses and property tax, for house owners; - the existence of revolving credits; - various taxes and duties; - insurance premiums, including an estimate of those that may be added, should the loan requested be granted; - any other data that may inform the decision of the credit institution. (4) The documents and data listed in sub-sections (2) and (3) above are not exhaustive. The credit institution may request any other document likely to inform its decision.