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.

ADVANTAGES OF THE LOAN

– 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.

REQUIREMENTS

– Copy and original photo of National ID or Passport

– Copy of National ID of the Insurance Beneficiary

– NUIT

– 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

SIMULATION

– 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

DISBURSEMENT TIME

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

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.