Kreditrest

Kreditrest is a financial term used to describe the remaining balance of a loan or credit facility at a given point in time. It represents the portion of the principal still owed to the lender. In many contexts, the Kreditrest refers to the outstanding principal, while whether it includes accrued interest depends on the specific loan agreement or reporting standard.

Calculation typically follows the loan’s amortization schedule. It is the original loan amount minus the cumulative principal repayments made to date. For revolving credit facilities, the Kreditrest corresponds to the current drawn amount rather than the total approved credit line. In some arrangements, interest that has accrued but not yet paid may be treated separately from the Kreditrest.

In practice, the Kreditrest is used by borrowers and lenders to monitor debt levels, calculate interest charges, and determine the payoff amount if the loan were to be closed early. On financial statements, it appears as a liability item and is important for credit risk assessment and covenant calculations. Changes to the Kreditrest occur through scheduled repayments, prepayments, refinancings, or capitalization of interest.

Example: a loan originally worth 100,000 with 40,000 repaid leaves a Kreditrest of 60,000. If an additional 5,000 is prepaid, the Kreditrest becomes 55,000.

See also related concepts such as outstanding balance, payoff amount, and amortization.