myöntökäytäntöön
Myöntökäytäntö, often translated as lending policy or credit policy, refers to the set of rules, guidelines, and procedures that an organization, typically a financial institution like a bank or credit union, follows when making lending decisions. This policy outlines the criteria used to evaluate loan applicants and the terms and conditions under which credit will be extended.
Key components of a lending policy include the types of loans the institution is willing to offer,
Furthermore, a lending policy addresses loan pricing, including interest rates and fees, and establishes guidelines for