creditworthiness
die Bonität, die Bonitäten
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creditworthiness
The creditworthiness of a person or company. It describes the ability and willingness to repay borrowed debts on time.
Vor der Kreditvergabe prüft die Bank sorgfältig die Bonität des Antragstellers.
Before granting the loan, the bank carefully checks the applicant's creditworthiness.
| gender | feminine die |
|---|---|
| plural | die Bonitäten |
| genitive | der Bonität |
| singular | plural | |
|---|---|---|
| nominative | die Bonität | die Bonitäten |
| accusative | die Bonität | die Bonitäten |
| dative | der Bonität | den Bonitäten |
| genitive | der Bonität | der Bonitäten |
The article changes with the case; it is shown in colour.
The ending '-ität' signals an abstract noun that often comes from Latin. Words with this ending are always feminine (die) in German and help you recognize the gender of many words.
Die Qualität dieses Produkts ist sehr hoch.
The quality of this product is very high.
Für diesen Job braucht man viel Flexibilität.
For this job, you need a lot of flexibility.
'Bonität' (creditworthiness) is a technical term from the world of finance and business. You will hear and read this word mainly in contexts such as banks, loans, or contracts.
Das Unternehmen hat eine ausgezeichnete Bonität und bekommt leicht Kredite.
The company has excellent creditworthiness and can easily get loans.
Common verbs used with 'Bonität' (creditworthiness) are 'die Bonität prüfen' (to check creditworthiness), 'eine Bonität haben' (to have creditworthiness), or 'seine Bonität nachweisen' (to prove one's creditworthiness).
Für die Wohnung müssen Sie Ihre Bonität nachweisen.
For the apartment, you must prove your creditworthiness.
Die Bank prüft bei jeder Kreditanfrage die Bonität.
The bank checks creditworthiness with every loan application.
The quality of creditworthiness is often described with adjectives. Typical phrases are 'eine gute / schlechte Bonität' (good / poor creditworthiness), 'eine hohe / niedrige Bonität' (high / low creditworthiness), or 'eine einwandfreie Bonität' (impeccable creditworthiness).
Mit einer schlechten Bonität ist es schwer, einen Kredit zu bekommen.
With poor creditworthiness, it is difficult to get a loan.
liquidity
Liquidität and Bonität both describe financial ability to pay, but they do not mean the same thing. Liquidität shows whether enough money is currently available for bills that are due, whereas Bonität assesses whether debts are likely to be repaid reliably. Use Liquidität for available funds and Bonität for creditworthiness.
Die Bank bewilligte den Kredit wegen der guten Bonität des Unternehmens.
The bank approved the loan because of the company’s good creditworthiness.
Wegen mehrerer verspäteter Zahlungen prüft die Firma heute ihre Liquidität.
Because of several late payments, the company is checking its liquidity today.
