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Creditworthiness calculatorTable of contents
BIK (the Credit Information Bureau) collects data on repayments and liabilities. For banks it is a key risk signal. Even with high income, a negative history can reduce creditworthiness or worsen terms.
If you are calculating capacity, start with the basics: Creditworthiness — how banks assess it.
Banks typically analyse:
It is not a single number — banks look at the overall risk profile.
Common factors include:
Usually positive factors are:
No history means the bank has less data to assess risk. It is not an automatic rejection, but the decision can be more cautious. Negative history (e.g., late payments) has a much stronger impact, so timeliness matters most.
Focus on repayment timeliness and active liabilities. Check if data is up to date and whether closed products still appear. Consistency between the report and your declarations helps the process.
Consistency is key: on‑time payments, fewer active obligations and low limits. If your history is short, avoid submitting many applications at once.
Banks look at patterns, not only single events. Red flags can include a sudden spike in inquiries, sharp increases in limits or frequent refinancing/rolling of debts. These signals can lower the assessment even with good income.
Each inquiry may be recorded. Many inquiries in a short time can be seen as higher risk. Compare offers wisely and avoid submitting many applications at once.
For cash loans history matters as well, but decisions are often more automated. For mortgages, banks are usually stricter. See: Cash‑loan creditworthiness and Mortgage creditworthiness.
A better history often leads to better terms, such as lower margins or fees. A weaker history can reduce capacity and increase financing cost, so it pays to improve the profile before applying.
Scenario 1: stable income but a high card limit and many inquiries in a short time. Reducing limits and waiting can improve the profile. Scenario 2: no history and a first major loan. The bank may ask for extra documents or offer a lower amount — a co‑borrower can help.
In practice, inconsistencies between declarations, inflows and liabilities can hurt the assessment. Make sure your documents and account flows are coherent.
If you have several liabilities, prioritise repaying those with the highest cost or the greatest risk of delays.
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