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The effective interest rate is calculated based on creditworthiness and shared with the borrower after the application is reviewed.

Creditworthiness describes the ability of a person to repay the debt they take on. A leasing or credit client's creditworthiness indicates the likelihood that the client will be able to make the required repayments. Solvency is assessed within the scope of the Swiss Consumer Credit Act (CCA). In addition to solvency, the check also covers creditworthiness, which serves to assess whether the client is trustworthy based on their credit history.