laenuvõimepunkti
Laenuvõimepunkti, a term that translates to "loan capacity point" or "creditworthiness point" in English, is a concept used in the Estonian financial system to assess an individual's or entity's ability to repay a loan. It is not a single, universally defined metric but rather a multifaceted evaluation that lenders use to determine the risk associated with extending credit.
Several factors contribute to an individual's laenuvõimepunkti. These typically include a person's income level, the stability
Furthermore, a positive credit history, characterized by timely payments on previous loans and credit cards, significantly
The specific methodology for calculating laenuvõimepunkti varies between financial institutions. Some may use proprietary scoring models