Estimation of probability occurrence of the borrower’s problem in paying their obligations to the commercial bank is considered. The borrower is treated as a representative of the household, so in addition to the individual parameters of their financial reliability there is also considered the impact of the household: net income of other household members, marital status and presence of children. With the proposed econometric model investigated the effect of change of the loan term, the borrower’s solvency ratio, net income of other members of borrower household, the loan amount and the borrower’s length of service on the occurrence likelihood of his problems with payment obligations to the bank. 

borrower, household, credit, commercial bank, solvency, logit model, maximum likelihood method