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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 2.50% and 3.83% depending on the term of the loan.

Note: New interest rates effective from July 26, 2024.

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

– Recent Original Salary Slip

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

– Proof of Residence

– Salary declaration

– Employment Appointment or Confirmation Letter

– Loan quotation form for consolidation loans

SIMULATION

– Amount of financing: 50,000.00 MZN;

– Period: 84 months;

– Fixed monthly interest rate: 3,83%;

– Monthly installment 2.167,29 MZN;

Pricing table

Term Loan Interest
6 2.50%
9 2.67%
12 2.75%
24 2.92%
36 3.17%
48 3.58%
60 3.75%
72 3.83%
84 3.83%

 

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

Agente bancário Contactos Localização
Agente Beira 842579224 Cidade da Beira – Bairo Maquinino, AG Beira Shopping
Ekitalci Consultoria e Investments, Lda – Beira 825137064 Cidade da Beira – Rua Luís Inácio, Corredor da Emose, Bº Chaimite
Agente Nampula 846380835 Cidade de Nampula – Bairo Muahivire, Rua de Quelimane, Mónica Shopping, Loja G1,
Ekitalci Consultoria e Investments, Lda – Nampula 879838637 Cidade de Nampula – Bºo Central, Av. Paulo Samuel Kankhomba, 1º andar, Loja nº 11
Agente Tete 845027177 Cidade de Tete – Av. da Independência, Loja n° 5 (em frente à Escola Primária III Congresso)
Agente Manica 845075649 Cidade de Chimoio – Bairro Eduardo Mondlane, Rua do Barué, Loja n° 26
Agente Pemba 845490520 Cidade de Pemba – Edifício de imóveis 25 de Setembro, Av. 25 de Setembro, nº 08 (R/C)
Agente Quelimane 844689322 Cidade de Quelimane – Edifício da Drogaria da Zambézia, Avenida 1 de Julho, nº 1.070, 1º andar
Agente Gaza 848246321 Cidade de Xai-Xai – Rua Mártires de Wiriamo Loja nº. 03 R/C
Agente Niassa 867942950 Cidade de Lichinga – Av. do Trabalho (ao lado da Movitel em frente ao Comando da PRM)
Agente Inhambane 842821036 Cidade da Maxixe – Av. Karl Max (próximo à Escola Primária e Secundária)
Manya Sales, Lda – Maputo 842672716 Cidade de Maputo – AV. Amilcar Cabral n° 640, Bairro Polana Cimento, Maputo
Cacos Sociedade de Investimento, SA – Maputo 843660000 Cidade de Maputo – Bairro Alto Maé “B”, Av. Ahmed Sékou Touré, nº 3630, R/C
Ekitalci Consultoria e Investments, Lda – Maputo 840200064 Cidade de Maputo – Bairro Central, Av. Eduardo Mondlane, nº 1927, 1º Andar

 

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.

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