kreditprodukter
Kreditprodukter are financial instruments that allow a borrower to obtain funds or purchasing power with a formal promise to repay, typically with interest. They enable spending beyond current income and are offered by banks, credit institutions, fintech firms, and other lenders. The term encompasses a wide range of products used by both individuals and businesses and is subject to regulation and disclosure requirements to protect consumers.
Common types of kreditprodukter include unsecured forms such as personal loans and credit cards, and secured
Key terms associated with kreditprodukter include the interest rate, annual percentage rate (APR), repayment term, and
Regulation and consumer protection play a central role in credit markets. Lenders typically conduct affordability checks,
Risks associated with kreditprodukter include the potential for over‑indebtedness, high interest costs, and negative impacts on