Krediidimüük

Krediidimüük, also known as credit sale or selling on credit, is a commercial transaction where a seller allows a buyer to purchase goods or services and pay for them at a later date. This arrangement is based on trust between the parties involved, with the seller extending credit to the buyer. The terms of the credit sale, including the payment schedule, interest rates (if applicable), and any collateral requirements, are typically outlined in a formal agreement.

This practice is common in various business contexts, from small retail transactions to large-scale industrial contracts. For businesses, offering credit can be a strategy to attract more customers, increase sales volume, and build customer loyalty. However, it also introduces the risk of non-payment or delayed payments, which can impact the seller's cash flow and profitability. To mitigate these risks, sellers often conduct credit checks on potential buyers, establish credit limits, and may require a down payment or collateral.

For buyers, credit sales provide immediate access to goods or services without requiring upfront payment. This can be particularly beneficial for individuals or businesses needing to acquire assets or manage their cash flow more effectively. However, buyers must ensure they can meet their repayment obligations to avoid damaging their creditworthiness and incurring additional costs such as late fees or interest. The legal framework surrounding credit sales varies by jurisdiction, defining the rights and responsibilities of both buyers and sellers.