Kreditkapacitet
Kreditkapacitet is the maximum amount of credit a borrower can reasonably obtain and service over a given period, given their financial situation and risk profile. It is not a fixed limit and can change with income, assets, debts, interest rates, loan terms, and lender policies.
For individuals, kreditkapacitet depends on income and employment stability, existing debt, assets and liabilities, and credit
For businesses, kreditkapacitet reflects expected cash flows, profitability, leverage, asset base, and collateral. Lenders assess debt
Assessment methods include credit scoring, verification of income and assets, cash flow projections, ratio analysis, and
Impact and management: Kreditkapacitet affects borrowing availability, cost of credit, and negotiated terms. To improve capacity,