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 history. Key measures include the debt-to-income ratio and, for self-employed borrowers, cash flow and profitability. A borrower's credit score and history influence both access to credit and the terms offered.

For businesses, kreditkapacitet reflects expected cash flows, profitability, leverage, asset base, and collateral. Lenders assess debt service coverage ratio (DSCR), interest coverage, and loan-to-value ratio (LTV), along with business plans, market conditions, and industry risk.

Assessment methods include credit scoring, verification of income and assets, cash flow projections, ratio analysis, and stress testing. Loan terms such as tenor, amortization, covenants, and the interest rate interact to determine usable capacity.

Impact and management: Kreditkapacitet affects borrowing availability, cost of credit, and negotiated terms. To improve capacity, individuals and firms can raise income, reduce existing debt, strengthen liquidity, and maintain a solid credit history. External factors such as economic conditions and regulatory rules can also widen or constrain credit capacity over time.