Finance — Creditworthiness
5 articlesWhat affects creditworthiness, how to improve it and what banks check before granting a loan.
Guides in this category
Creditworthiness — how to check and improve it
Creditworthiness: what affects it, how to calculate it, BIK, income types and mortgage vs cash loan differences.
Creditworthiness for cash loans
How banks assess creditworthiness for cash loans: income, costs and limits.
BIK and creditworthiness — how history affects scoring
BIK vs creditworthiness: what lowers it and how to build a positive history.
Creditworthiness on lump sum tax — how banks assess it
How banks assess creditworthiness on lump‑sum tax: income, documents, stability.
Creditworthiness in banks — why results differ
Why banks calculate creditworthiness differently: buffers, risk policy and income rules.
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FAQ: Creditworthiness
Answers to the most common questions on this topic
The main factors are: net income level and stability, employment type, existing liabilities (other loans, cards), number of household members, age and credit history in BIK.
Repay or reduce credit card limits, close unused credit lines, avoid new liabilities for 3–6 months before the application and maintain a positive BIK history (timely repayments).
No. A positive credit history (timely repayments) improves your BIK score and increases loan approval chances. Problems arise from repayment delays or too many credit enquiries in a short period.
Banks treat B2B income cautiously — they usually require 12–24 months of business activity and average income after taxes and contributions. Some banks require a tax office certificate or tax return.
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