German Phrase
Kommt auf die Art des Kredits an.
Meaning
This sentence states that the result, decision, or condition depends on which type of loan is being considered. It is a concise way to say 'It depends on the type of credit/loan.'
When to use
Use this phrase when discussing financing options, comparing loan products, or explaining why a particular financial solution varies. It is common in banking, real‑estate, and business conversations.
✦Grammar Breakdown
KommtaufdieArtdesKreditsan.
ankommen auf
The separable verb 'ankommen' with the preposition 'auf' means 'to depend on' and splits into 'Kommt … an' in main clauses.
Implicit subject
The subject 'es' is often omitted in spoken German: 'Es kommt auf … an' → 'Kommt auf … an.'
Accusative after 'auf'
When 'auf' expresses a target (here 'depend on'), it governs the accusative case: 'die Art' is accusative.
Genitive for possession
The phrase 'der Art des Kredits' uses a genitive construction; 'des Kredits' is the genitive of 'der Kredit'.
Word order with separable prefix
In main clauses the prefix 'an' moves to the end of the clause: 'Kommt … an.'
🗨In Conversation
Welcher Zinssatz gilt für mein Vorhaben?
Which interest rate applies to my project?
Kommt auf die Art des Kredits an.
It depends on the type of loan.
✕Common Mistakes
Kommt auf die Art von Kredit an.
Avoid 'von' after 'Art' when you need a genitive; use the genitive 'des Kredits' instead.
Kommt auf die Art des Kredit an.
The genitive ending is required only for masculine/neuter nouns; 'Kredit' becomes 'des Kredits', not 'der Kredit'.
Es kommt auf die Art des Kredits.
The separable prefix 'an' must be placed at the end of the clause.
↔Alternatives
Das hängt von der Kreditart ab.
That depends on the loan type.
Es ist abhängig von der Art des Kredits.
It is dependent on the type of loan.
Es kommt darauf an, welchen Kredit man wählt.
It depends on which loan you choose.
Cultural Tip
In German business communication, the construction 'ankommen auf … an' is very idiomatic and sounds natural. Avoid over‑explaining with 'von' + dative; the genitive 'des Kredits' is preferred in formal contexts. Also note that 'Kredit' can refer to a bank loan or a line of credit, so specifying the 'Art' (e.g., 'Ratenkredit', 'Baukredit') clarifies the meaning.