The database must be used to pay the salary of the last month. To calculate that when deducting the monthly loan payment, then. The employee will have income/expenditure higher than 40% or not. If less than 40% would not be able to recover.
To use the database, payroll, net of recent months. To calculate the deductions on the loan to be paid monthly. Employees will have the revenue / expenditure higher than 40% if less than 40% will not be able to recover.
To use a payroll database net of last month. In order to calculate that when broken the loan to pay monthly. The staff will be income / expenditure higher 40%? If less than 40% will not loan.