The 5 "C's" of Credit
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2 سال پیش
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5 "C's" of Credit : Capacity,Conditions,Collateral,Capital and Character
The 5 "C's" of Credit
Lenders base their decision to provide you credit on the following five criteria:
1. Capacity: Your readiness to send payments on schedule.
2. Conditions: The conditions you're attempting to get.
3. Collateral: Any property you're willing to pledge as surety (such as a car).
4. Capital: Earnings and other financial resources.
5. Character: Your standing in society.
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Ever heard of the 5 C’s? You are undoubtedly well aware of the significance of your credit score and how it may help you get loans, jobs, apartments, and more.
In essence, they're attempting to predict your likelihood of repaying your credit. How much debt you have in comparison to how much credit you have is another critical factor lenders look at when calculating your credit score. If you found the video informative, Don’t forget to like and subscribe to Financial Literacy.
When looking at your credit history and credit score, it is important to know the five Cs of credit: character, capital, collateral, conditions, capacity. The five Cs are the factors used to assess your likelihood of repaying a loan, also known as creditworthiness. A better understanding of what makes up your creditworthiness is the first step in improving and maintaining your credit.
The Five Cs of Credit
• CHARACTER is your reputation or track record for repaying your debt, your credit history. Credit history makes up 35% of your credit score.
• CAPITAL is the cash that you have to put towards an investment. The amount of capital you put towards an item shows your level of seriousness. The larger the capital investment, the more likely you are to secure a line of credit.
• COLLATERAL is different from capital. Collateral is the asset used to secure the loan. The automobile itself is the collateral that secures an auto loan. Similarly, the house you are buying secures the mortgage. The bank can keep collateral if you fail to pay off a loan.
• CONDITIONS are the terms of the loan that the lender must consider before lending you money. Conditions include current interest rates, the loan amount you are seeking, and the value of the asset you may be
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For Endorsement/Queries
Contact Email : [email protected]
WhatsApp : +254 715 44 06 50
Business Number +254 715 440 650
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Instagram - Instagram: financial_literacy_tutorials
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Facebook page – https://web.facebook.com/profile.php?...
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YouTube - @financialliteracyclass101
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00:00 Ever heard of the 5 C’s?
00:16 Capacity
00:27 Collateral
00:38 Character
00:49 calculating your credit score
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5 "C's" of Credit : Capacity,Conditions,Collateral,Capital and Character
The 5 "C's" of Credit
Lenders base their decision to provide you credit on the following five criteria:
1. Capacity: Your readiness to send payments on schedule.
2. Conditions: The conditions you're attempting to get.
3. Collateral: Any property you're willing to pledge as surety (such as a car).
4. Capital: Earnings and other financial resources.
5. Character: Your standing in society.
credit risk analysis,credit analysis ratios,credit analysis process,what is credit analysis,credit analysis example,credit analysis,credit analysis manager,credit analysis,case study,credit analysis 101,5 c's of credit,credit analyst training,credit analyst ratios,credit risk analyst,5c credit,process of credit analysis,ratios of credit analysis,credit analysis financial ratios,credit analysis definition,credit analysis meaning.
Ever heard of the 5 C’s? You are undoubtedly well aware of the significance of your credit score and how it may help you get loans, jobs, apartments, and more.
In essence, they're attempting to predict your likelihood of repaying your credit. How much debt you have in comparison to how much credit you have is another critical factor lenders look at when calculating your credit score. If you found the video informative, Don’t forget to like and subscribe to Financial Literacy.
When looking at your credit history and credit score, it is important to know the five Cs of credit: character, capital, collateral, conditions, capacity. The five Cs are the factors used to assess your likelihood of repaying a loan, also known as creditworthiness. A better understanding of what makes up your creditworthiness is the first step in improving and maintaining your credit.
The Five Cs of Credit
• CHARACTER is your reputation or track record for repaying your debt, your credit history. Credit history makes up 35% of your credit score.
• CAPITAL is the cash that you have to put towards an investment. The amount of capital you put towards an item shows your level of seriousness. The larger the capital investment, the more likely you are to secure a line of credit.
• COLLATERAL is different from capital. Collateral is the asset used to secure the loan. The automobile itself is the collateral that secures an auto loan. Similarly, the house you are buying secures the mortgage. The bank can keep collateral if you fail to pay off a loan.
• CONDITIONS are the terms of the loan that the lender must consider before lending you money. Conditions include current interest rates, the loan amount you are seeking, and the value of the asset you may be
✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸
For Endorsement/Queries
Contact Email : [email protected]
WhatsApp : +254 715 44 06 50
Business Number +254 715 440 650
TikTok - TikTok: njoguedward
Instagram - Instagram: financial_literacy_tutorials
Twitter - Twitter: edwardkarungu
Facebook page – https://web.facebook.com/profile.php?...
Spotify - https://open.spotify.com/show/2MXPyfx...
YouTube - @financialliteracyclass101
✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸✸
00:00 Ever heard of the 5 C’s?
00:16 Capacity
00:27 Collateral
00:38 Character
00:49 calculating your credit score
2 سال پیش
در تاریخ 1401/09/13 منتشر شده
است.
2,585
بـار بازدید شده