Which factor is NOT typically used to evaluate capacity for credit repayment?

When evaluating someone’s capacity for credit repayment, lenders look at various factors that indicate the individual's ability to meet their financial obligations. Among these factors, current living expenses play a crucial role as they provide insight into how much disposable income remains after necessary expenditures. Salary is also significant, as it represents the primary source of income that contributes to repaying debts. The number of dependents is relevant as well, since it can affect an individual’s financial obligations and, consequently, their capacity to repay credit.

Investment portfolios, while they can contribute to overall wealth, are not typically viewed as direct indicators of capacity for credit repayment. This is because investments can fluctuate in value, and their liquidity can vary. Lenders are more focused on stable and regular income and ongoing expenses when assessing creditworthiness, rather than the less predictable nature of investment income. Thus, investment portfolios are not a primary factor in evaluating someone's immediate ability to repay credit.