Lainauskykyä
Lainauskykyä, which translates to "borrowing capacity" or "creditworthiness," is a crucial concept in personal and business finance. It refers to an individual's or entity's ability to obtain loans or credit from financial institutions. This capacity is determined by various factors that lenders assess to gauge the risk associated with lending money.
Key indicators of lainauskykyä include a consistent history of repaying debts on time, known as a good
Furthermore, the amount of existing debt a person or business carries plays a role. High levels of