五章商业银行贷款管理对外经济贸易大学何自云.pptVIP

Capital Capital refers to the individual’s wealth position and is closely related to capacity, an individual’s financial ability to meet loan payments in addition to normal living expenses and other debt obligations. For almost all consumer loans, the individual’s income serves as the primary source of repayment. Minimum down payment requirements Maximum allowable debt-service to income ratios Stability of the income source 第三十页，共六十五页。 Collateral Secondary source of repayment. Collateral may be The asset financed by the loan Other assets owned by the individual The personal guarantee of