Credit for Civil Servants

First Capital Bank’s Credit for Civil Servants is a secure financing solution designed to support the development of the civil servant’s personal and/or professional projects.

These are short, medium and/or long-term loans whose maturity can vary from 6 to 84 months for the repayment period, with an administrative fee of 12% and a monthly interest rate between 2.30% and 3.83% depending on the term of the loan.

First Capital Bank has been duly registered by CEDSIF with code number 437 to provide loans to public employees.


– Attractive fixed interest rate;

– Disbursement in 24h to 72h;

– No need to open a bank account;

– Life insurance of 0.109% monthly included in the installment

– Flexible repayment period 6 to 84 months;

– Amount of disbursement up to 2.000.000 Meticais.


– Copy and original photo of National ID or Passport

– Copy of National ID of the Insurance Beneficiary


– Fully Signed Loan Application Form

– Recent Original Salary Slip

– Recent Bank Statement showing three (3) months’ salary entries

– Proof of Residence

– Salary declaration

– Declaration letter to CEDSIF

– Employment Appointment or Confirmation Letter

– Completed Credit Life Policy application

– Amortization plan signed by the client

– Loan quotation form for consolidation loans


– Amount of financing: 50,000.00 MZN;

– Period: 84 months;

– Fixed monthly interest rate: 3,83%;

– Annual interest rate: 46,00%;

– Monthly installment 2.167,29 MZN;

Pricing table


Term Loan Interest
6 2.30%
9 2.45%
12 2.62%
24 2.82%
36 2.81%
48 3.00%
60 3.42%
72 3.58%
84 3.83%



Once all the necessary requirements are met and as per the Bank Credit Policy, the disbursement is made within a period of 24 to 72 business hours.

Our sales agents are at your disposal to meet all your financial needs in the comfort of your own region.

For more information, please contact:

Email: credito.publico@firstcapitalbank.co.mz

Maputo Av. 24 de Julho, n.3549, Edifício do INSS 843136383
Banking Agent Location Contact point Contact
Manya Sales Lda Bairro Maquiníno – AG Beira Shopping, Cidade da Beira Vanessa Correia 877099712
Bairro Muahivire, Monica Shopping, loja G1, Rua de Quelimane, Cidade de Nampula Beatrino Injaraco 867665439
Av. da Independência, loja n° 5 em frente a Escola Primária III Congresso, Cidade de Tete Filipe Maússe 861401424
Bairro Eduardo Mondlane, Rua do Barué, loja n.° 26, Cidade de Chimoio José Charoba 862021199
Edifício de imóveis 25 de Setembro, Av. 25 de Setembro, Cidade de Pemba n.º 08 (R/C) Abiud Uagir 846921247
Bairro 24 de Julho, Av. da Samora Machel, R/C, loja n° 1, Cidade de Quelimane Amarito Gabriel 840523431
Rua Mártires de Wiriamo Loja N. 03 R/C, Cidade de Xai-Xai Dércio Manjate 874317259
Av. Do Trabalho ao lado da Movitel em frente ao Comando da PRM, Cidade de Lichinga Reginaldo Chissaque 860606051
Av. Karl Max, próximo a Escola Primária e Secundaria, Cidade da Maxixe Leonildo Nombora 860177860


Manya Sales Limitada, Av. Amilcar Cabral N° 640, Bairro Polana Cimento, Maputo, +258 84 267 2716.

Products and services provided by banking agent:

  • Origination of credit processes of the civil servant segment.
  • Uploading of the credit processes of the civil servant segment in the LAM system.
  • Provision of information to customers in relation to statements and repayment plans.
  • Attendance to customers of the civil servant segment.