Usage Note
Kreditnehmer is the party who receives a loan and is obliged to repay it with interest. The counterpart is the Kreditgeber (lender). The feminine form is Kreditnehmerin. Private Kreditnehmer require credit checks (Bonitätsprüfungen).
Examples
"Der Kreditnehmer muss die monatlichen Raten pünktlich zahlen."
Natural Translation
The borrower must pay the monthly instalments on time.
Literal Translation
The borrower must the monthly instalments punctually pay.

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