4C's of Credit Analysis

Has 3 months' salary saved?

• Collateral

• Capital

• Character

• Capacity

• Credit History

Pays bills on time

• Collateral

• Capital

• Character

• Capacity

• Credit History

Is currently unemployed?

• Collateral

• Capital

• Character

• Capacity

• Credit History

Income vs Debt Ratio

• Collateral

• Capital

• Character

• Capacity

• Credit History

Keeps $20,000 under his mattress?

• Collateral

• Capital

• Character

• Capacity

• Credit History

A person's reputation

• capital

• collateral

• character

• capacity

One of the 5 C's of credit that refers to property that secures the loan is

• capital
• collateral
• character
• capacity

Money a borrower is will to put toward a loan; the more the borrower is willing to put toward the investment the more likely the borrower will repay the loan

• character

• capacity

• capital

• collateral

• conditions

Have you ever been refused credit?

• Character

• Capacity

• Capital (collateral)

Have you regularly made payments on time?

• Character

• Capacity

• Capital (collateral)