Question

which factors indicate if a borrower has enough income and financial resources to make regular loan payments?
plans to request future loans
income and financial net worth
ideas and pending patents

Explanation:

To determine if a borrower can make regular loan payments, we analyze the options:

• "plans to request future loans" is about future borrowing intentions, not current ability to pay.
• "income and financial net worth" directly relate to the borrower's current financial resources (income for ongoing cash flow, net worth for overall financial position) to cover loan payments.
• "ideas and pending patents" are related to potential future value, not current income/financial resources for loan payments.

Answer:

income and financial net worth