Question

a loan officer is examining whether or not she will offer you a loan today. specifically, she is examining your income and debts. which of the five cs is the loan officer reviewing? a. character b. capacity c. capital d. collateral e. conditions

Answer 1

What are the 5 Cs of lending?

• Lenders will look at your creditworthiness, or how you've managed debt and whether you can take on more.
• One way to do this is by checking what's called the five C's of credit: character, capacity, capital, collateral and conditions.
• Collateral (finance), a borrower's pledge of specific property to a lender, to secure repayment of a loan.
• Real Estate Collateral.
• Business Equipment Collateral.
• Inventory Collateral.
• Invoices Collateral.
• Blanket Lien Collateral.
• Cash Collateral.
• Investments Collateral.
• Quality and value of the assets pledged as security for a loan are known as collateral. Covenants: Clauses in a bond indenture that demand the borrower to carry out certain actions (affirmative covenants) or refrain from certain actions (negative covenants), protecting the lenders (negative covenants).

Hence, she will be reviewing the collateral.

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