What are the five Cs of good credit? Discuss their importance in credit analysis. (15 marks) Instalment loans require the periodic payment of principal and interest. In most cases, a customer borrows to purchase durable goods or cover extraordinary expenses and agrees to repay the loan in monthly instalments. Explain the following types of instalment loans in terms of their features and their risks: 5. 1. Credit cards (7 marks) 5. 2. Smart card (7 marks) 5. 3. Mortgage loans (6 marks)