Tvoy Raschet

Debt burden ratio (PDN): what it is

The share of your income that goes to payments on all loans and borrowings. For example, if you pay 30,000 ₽ a month with an income of 100,000 ₽, your PDN is 30%.

In Russian: Показатель долговой нагрузки (ПДН)·PDN (pokazatel dolgovoy nagruzki)

Loans and mortgages Checked by the editorial team Checked: September 2026
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In Russia, Kazakhstan and Belarus

Russia

Banks and microfinance organisations must calculate the PDN (ПДН) before lending (as a rule, from 10,000 ₽) and warn the borrower if it is above 50%. The Bank of Russia limits the share of loans to people with a high PDN, so with a burden above 50% approval is harder to get. Credit card limits are also included in the calculation.

Kazakhstan

Kazakhstan has a similar indicator, the debt burden coefficient (КДН, KDN): a bank must not issue a loan if payments would take more than 50% of the borrower's income.

Sources: Bank of Russia («Банк России»), Bank of Russia: financial literacy portal («Финансовая культура»)

This information is for reference only and does not constitute financial, tax or legal advice. Prepared by our editorial team, last checked: September 2026. Found an error? Write to us.

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