Akademie
Leitfäden in klarer Sprache zu Krediten, Zinssätzen und Markt.
Fixed vs floating rate: which is right for you?
ENOne of the most consequential choices isn’t how much to borrow — it’s how your interest is calculated.
How ECB interest rate decisions affect your loan
ENWhen the ECB cuts or raises rates, what actually happens to your monthly payment?
Understanding your loan’s total cost (not just the rate)
ENThe interest rate is just one part. Learn about fees, insurance, and the true cost of borrowing.
What banks look at when they set your rate
ENCredit risk, collateral, competition, and relationship — the four factors behind your rate.
What is the SME premium — and why do small businesses pay more?
ENSmall businesses pay higher rates than large corporations. Here’s why — and what you can do.
When is the best time to apply for a loan?
ENRate cycles, bank behavior, and economic signals that help you time your application.
How adding collateral can lower your loan rate
ENWhat collateral actually does to your rate, how big the effect is, and what to ask your lender before signing.
How risk rating shapes SME loan spreads
ENYour lender scores your business into a risk bucket. Here’s how that shapes your rate — and what you can do about it.