creditworthiness

1. Should I loan you $ and how much should I loan you?

2. Collateral

2.1. House, car, stocks, assets to secure the debt

2.2. You don´t pay me back?

3. character

3.1. past behavior of paying bills

3.2. Will you pay me back?

3.3. Are you responsible? Do you care?

4. Capacity

4.1. ability to repay the loan

4.2. Does the person have a job?

4.3. How long has the person been employed?

5. Capital

5.1. net worth/cash or cash equivalents

6. Credit History

6.1. an evaluation of a consumer´s credit worthiness including FICO score

6.2. Does this person pay bills on time?

6.3. How much of their available credit is the person using?