The first C of credit the lender looks at is usually the character. Characters refer to the characteristics of the borrower. It includes how honest, potential, hardworking, and ethnic the borrower is. It is usually the first thing that the lender will look into the borrower.
贷方查看的第一个信用 C 通常是字符。性格是指借款人的特征。它包括借款人的诚实、潜力、勤奋和种族。这通常是贷方调查借款人的第一件事。
Second C will be the condition. This refers to the condition or regulation that shows the eligibility of the borrower to borrow the loan. For example, the E-belia from the government also has the condition that is only claimable by people between 18 to 20 or the full-time student in higher education.
第二个C将是条件。这是指表明借款人有资格借款的条件或规定。例如，来自政府的 E-belia 也有只有 18 至 20 岁的人或高等教育的全日制学生才能申请的条件。
The third C of credit will be the capital. This refers to how much money or funds you have invested and put into your business. This could be one of the most important elements to show to the lender because this will tell them how serious the borrower was. In other words, if the borrower also is not putting much money into their business, how do they want other lenders to invest in their business?
信用的第三个 C 将是资本。这是指您已投资并投入到您的业务中的资金或资金。这可能是向贷方展示的最重要元素之一，因为这将告诉他们借款人的严重程度。换句话说，如果借款人也没有在他们的业务上投入太多资金，他们希望其他贷方如何投资他们的业务？
The fourth will be the capacity. It refers to how the company operates and generates the income, or what type the income was. The capacity shows the lender about the method, probability, and speed that which the borrower could repay back the loan. For example, by looking at the financial performance of the company.
四是能力。它是指公司如何运营和产生收入，或者收入是什么类型。容量向贷方显示借款人可以偿还贷款的方法、概率和速度。例如，通过查看公司的财务业绩。
The fifth c of the credit will be the collateral. This was some kind of guarantee for the lender to ensure their lending could be worth it if the borrower could not repay the loan back at the promised time. Sometimes this was really influenced by the relationship and understanding between the borrower and lender.
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