Montenegrin citizens who intend to renovate their flat with banking credit of 3000 EUR have to have monthly income of at least 377 EUR and those who intend to buy new flat of 25 thousand EUR must earn over 3,1 thousand EUR a month. Business banks credit renovating or construction of flat if a client immediately pays in 25 % of its total value, while credit on two and a half years includes monthly interest rate of 2,25%. According to earlier estimations of Government approximately 22% of Montenegrin citizens draw salaries of 600 up to 1,5 thousand EUR per year and 24,4 % of citizens up to 600 EUR. These estimations point out to the fact that at least 45% of the citizens do not fulfill conditions and does not have financial basis for obtaining those credits. A citizens who decides to obtain a credit of three thousand EUR has to give about 125 EUR to bank on the first month that is, interest rate and installment, that according to administrative ban must not be higher then one third of monthly income. Installment with interest rate for the first month of paying back the credit of 25 thousand EUR, amount to approximately 1.050 EUR. Sum of installment and interest rate constantly decreases during the period of paying back the credit and at the end of 30th month the total sum that has been paid back is by approximately 35 % higher then the approved credit. In case a citizen decides to take 3000 EUR credit for buying an automobile, with the same period of paying back, participation of 30% and monthly interest rate of 2,5%, he will have to pay first installment and interest rate that amount to approximately 122,5 UER. A citizen has to have salary of at least 368 EUR to obtain this credit. Salary of a credit beneficiary who wants to buy luxury car worth 25 thousand EUR, on same conditions, cannot be lower then 3060 EUR.