Ceilings on consumer and personal loans are to be lifted today, in line with a recent decision by the Bank of Greece. The measure will permit bank clients to borrow according to their ability to repay, assessed with the use of the electronic Teiresias credit-rating system on an individual basis. Effective application of the system, however, is seen as needing at least two years — the time estimated as required for banks to collect enough data. The large majority of borrowers, therefore, are projected to continue facing roughly the existing ceilings and, in the short run, it is only borrowers with proof of high income who will be favorably affected by the abolition of the ceilings, which are 25,000 euros for consumer loans, 3,000 euros for personal loans and 1,500 euros for overdrafts.