*NOT YOUNGER THAN 21 YRS OLD BUT NOT MORE THAN 70 YRS OLD
*Character: reputation for being trustworthy and responsible in meeting financial obligations
*Capacity: ability to repay the loan based on financial situation.
*Capital: represents the financial assets and investments .
*Collateral: refers to the asset it pledge to secure the loan.
*Conditions: ability to meet the specific terms and conditions of the loan and the purpose of the loan