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Function documentation Credit Standing Calculation Locate the document in its SAP Library structure

Use

Before you grant a loan to a customer, you need to check the customer’s credit standing (in addition to whether the customer has the legal capacity to borrow). The credit standing check covers the customer's personal and financial creditworthiness.

Features

The system supports the financial credit standing calculation for loans given, allowing you to assess whether the borrower is in a position to meet the obligations arising from the loan on the basis of income, outgoings and financial situation.

A simple calculation form allows you to set the monthly outgoings against the income and determine a debt service factor. You can define which items make up the form in Customizing.

You access the credit standing calculation via the corresponding business partner, since the credit standing data is saved for a business partner.

The credit standing surplus (or deficit) and the debt service factor are transferred to the decision.

Note 

For more information about the Resubmission, Memo Pad, User Data and Total Commitment functions, see Inquiry.

 

 

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