Bonität

Bonität refers to the creditworthiness of an individual or a company. It is an assessment of the likelihood that a borrower will be able to repay their debts. This assessment is crucial for lenders, such as banks and other financial institutions, before they extend credit. A good credit rating indicates a low risk of default, while a poor rating suggests a higher risk.

Several factors contribute to a person's or company's Bonität. For individuals, these typically include payment history, outstanding debt, length of credit history, new credit applications, and the types of credit used. For businesses, factors can encompass financial statements, profitability, cash flow, industry conditions, and management experience.

Credit bureaus collect and analyze this information to generate credit reports and credit scores. These scores are numerical representations of creditworthiness and are widely used by lenders to make lending decisions. A higher credit score generally leads to more favorable loan terms, such as lower interest rates, and can also influence other areas like insurance premiums or rental applications.

Conversely, a low credit score can result in loan rejections, higher interest rates, or the requirement for a co-signer or collateral. Maintaining good Bonität is therefore essential for individuals and businesses seeking financial products or services. It involves responsible financial behavior, such as paying bills on time and managing debt effectively.