2. ProCredit
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AgroCapital
Please note that the information you are viewing is 166 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco ProCredit Av. Zedequias Manganhela N?? 267P.O. Box 1636Maputo, Maputo
Data approved: 2012-01-21
Data version: 1
Age of data: -   months 
Choose version

Institution

Fundación Agrocapital Calle Nataniel Aguirre No. S-669Cochabamba, Cercado5901
Data approved: 2010-10-28
Data version: 1
Age of data: 166 months

Product

Housing Loan Product 2 of 2 « Prev | Next »

Product

Microcrédito Vivienda (USD) Product 7 of 11 « Prev | Next »

Product Summary

Number borrowers781
Loan Amount (range)MZN 40,000 - 75,000
Loan Term (range)9 - 18
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method39.0% annual, Decl Bal
Fees2.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component0 (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)0
Transparency Index (min/max)-1
Transparency Index (average)N/A

Product Summary

111
USD 600 - 12,000
12 - 60
Credit Ins
22.0%-30.0% annual, Decl Bal
5.00% upfront 5.00% ongoing
None
15.00% Principal
N/A
 
N/A
24.9% - 32.2% (Int+Fee)
0 - 0.6%
0 - 0.4%
25.0% - 32.3%
0 - N/A
75

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 19,738,696
Portfolio (USD)USD 636,732
Active Clients with Loans781
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The main purpose of this loan is to improve, expand or complete the construction of homes.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried worker
Must be specific age group
OtherMust have collateral
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 433,734
Portfolio (USD)USD 433,734
Active Clients with Loans111
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Producto crediticio orientado a financiar viviendas de clientes que cuenten con volumen de negocios y patrimonio relativamente pequeño y tengan experiencia y capacidad para manejar sus negocios.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherBuenos antecedentes personales y crediticios. Actividad económica y financieramente viable.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyMZN
Minimum loan sizeMZN 40,000
Maximum loan size75,000
Loan Term and Grace Period
Shortest loan term9.0 months
Longest loan term18.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 600
Maximum loan size12,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term60.0 months
Approx average32.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.25%
Highest quoted nominal interest3.25%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDisbursement fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesLoan Size, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Housing Loan samples
Sample 1Sample 2Sample 3
Loan AmountMZN 40,000MZN 42,500MZN 44,000
Loan Cycle (1, 2, 3, etc)311
Disbursement Date2011-06-202011-06-202011-06-17
Loan Term (Months)N/AN/AN/A
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee ComponentDKDKDK
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)DKDKDK
Transparency Index-1-1-1
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Microcrédito Vivienda (USD) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 1,000USD 2,000USD 3,500USD 8,000USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-022010-02-162010-03-202010-02-152010-03-05
Loan Term (Months)24.0 months24.0 months36.0 months36.0 months60.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component32.2%31.4%30.5%27.0%24.9%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.2%0.2%0.1%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.3%31.6%30.6%27.2%25.0%
Transparency Index6870728188
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Housing Loan Price Graphs


Click to view Price Analysis Tool
Microcrédito Vivienda (USD) Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞