{"id":3701,"date":"2022-03-14T14:09:21","date_gmt":"2022-03-14T12:09:21","guid":{"rendered":"https:\/\/firstcapitalbank.co.mz\/en\/?page_id=3701"},"modified":"2026-02-23T16:45:05","modified_gmt":"2026-02-23T14:45:05","slug":"credit-for-civil-servants","status":"publish","type":"page","link":"https:\/\/www.firstcapitalbank.co.mz\/en\/personal\/lending-facilities\/credit-for-civil-servants\/","title":{"rendered":"Credit for Civil Servants"},"content":{"rendered":"

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.<\/p>\n

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 2.92% and 3.75% depending on the term of the loan.<\/p>\n

Note:<\/strong> New interest rates effective from June 9, 2025.<\/p>\n

First Capital Bank has been duly registered by CEDSIF with code number 437 to provide loans to public employees.<\/p>\n

ADVANTAGES OF THE LOAN<\/strong><\/h3>\n

\u2013 Attractive fixed interest rate;<\/p>\n

\u2013 Disbursement in 24h to 72h;<\/p>\n

\u2013 No need to open a bank account;<\/p>\n

\u2013 Life insurance of 0.109% monthly included in the installment<\/p>\n

\u2013 Flexible repayment period 6 to 84 months;<\/p>\n

\u2013 Amount of disbursement up to 2.000.000 Meticais.<\/p>\n

REQUIREMENTS<\/strong><\/h3>\n

– Copy and original photo of National ID or Passport<\/p>\n

– Copy of National ID of the Insurance Beneficiary<\/p>\n

– NUIT<\/p>\n

– Recent Original Salary Slip<\/p>\n

– Recent Bank Statement showing three (3) months\u2019 salary entries<\/p>\n

– Proof of Residence<\/p>\n

– Salary declaration<\/p>\n

– Loan quotation form for consolidation loans<\/p>\n

SIMULATION<\/strong><\/h3>\n

\u2013 Amount of financing: 50,000.00 MZN;<\/span><\/p>\n

\u2013 Period: 84 months;<\/span><\/p>\n

\u2013 Fixed monthly interest rate: 2,92%;<\/span><\/p>\n

\u2013 Monthly installment 1.757,98 MZN;<\/span><\/p>\n

Pricing table<\/strong><\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n
Term<\/strong><\/td>\nLoan Interest<\/strong><\/td>\n<\/tr>\n
6<\/td>\n3.75%<\/td>\n<\/tr>\n
9<\/td>\n3.75%<\/td>\n<\/tr>\n
12<\/td>\n3.50%<\/td>\n<\/tr>\n
24<\/td>\n3.42%<\/td>\n<\/tr>\n
36<\/td>\n3.38%<\/td>\n<\/tr>\n
48<\/td>\n3.21%<\/td>\n<\/tr>\n
60<\/td>\n3.13%<\/td>\n<\/tr>\n
72<\/td>\n3.00%<\/td>\n<\/tr>\n
84<\/td>\n2.92%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

DISBURSEMENT TIME<\/strong><\/h3>\n

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.<\/p>\n

Our sales agents are at your disposal to meet all your financial needs in the comfort of your own region.<\/p>\n

For more information, please contact:<\/p>\n

Email: credito.publico@firstcapitalbank.co.mz<\/a><\/p>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Agente banc\u00e1rio<\/td>\nContactos<\/td>\nLocaliza\u00e7\u00e3o<\/td>\n<\/tr>\n
Agente Beira<\/td>\n842579224<\/td>\nCidade da Beira – Bairo Maquinino, AG Beira Shopping<\/td>\n<\/tr>\n
Ekitalci Consultoria e Investments, Lda – Beira<\/td>\n825137064<\/td>\nCidade da Beira – Rua Lu\u00eds In\u00e1cio, Corredor da Emose, B\u00ba Chaimite<\/td>\n<\/tr>\n
Agente Nampula<\/td>\n846380835<\/td>\nCidade de Nampula – Bairo Muahivire, Rua de Quelimane, M\u00f3nica Shopping, Loja G1,<\/td>\n<\/tr>\n
Ekitalci Consultoria e Investments, Lda – Nampula<\/td>\n879838637<\/td>\nCidade de Nampula – B\u00bao Central, Av. Paulo Samuel Kankhomba, 1\u00ba andar, Loja n\u00ba 11<\/td>\n<\/tr>\n
Agente Tete<\/td>\n845027177<\/td>\nCidade de Tete – Av. da Independ\u00eancia, Loja n\u00b0 5 (em frente \u00e0 Escola Prim\u00e1ria III Congresso)<\/td>\n<\/tr>\n
Agente Manica<\/td>\n845075649<\/td>\nCidade de Chimoio – Bairro Eduardo Mondlane, Rua do Baru\u00e9, Loja n\u00b0 26<\/td>\n<\/tr>\n
Agente Pemba<\/td>\n845490520<\/td>\nCidade de Pemba – Edif\u00edcio de im\u00f3veis 25 de Setembro, Av. 25 de Setembro, n\u00ba 08 (R\/C)<\/td>\n<\/tr>\n
Agente Quelimane<\/td>\n844689322<\/td>\nCidade de Quelimane – Edif\u00edcio da Drogaria da Zamb\u00e9zia, Avenida 1 de Julho, n\u00ba 1.070, 1\u00ba andar<\/td>\n<\/tr>\n
Agente Gaza<\/td>\n848246321<\/td>\nCidade de Xai-Xai – Rua M\u00e1rtires de Wiriamo Loja n\u00ba. 03 R\/C<\/td>\n<\/tr>\n
Agente Niassa<\/td>\n867942950<\/td>\nCidade de Lichinga – Av. do Trabalho (ao lado da Movitel em frente ao Comando da PRM)<\/td>\n<\/tr>\n
Agente Inhambane<\/td>\n842821036<\/td>\nCidade da Maxixe \u2013 Av. Karl Max (pr\u00f3ximo \u00e0 Escola Prim\u00e1ria e Secund\u00e1ria)<\/td>\n<\/tr>\n
Manya Sales, Lda – Maputo<\/td>\n842672716<\/td>\nCidade de Maputo – AV. Amilcar Cabral n\u00b0 640, Bairro Polana Cimento, Maputo<\/td>\n<\/tr>\n
Cacos Sociedade de Investimento, SA – Maputo<\/td>\n843660000<\/td>\nCidade de Maputo – Bairro Alto Ma\u00e9 \u201cB\u201d, Av. Ahmed S\u00e9kou Tour\u00e9, n\u00ba 3630, R\/C<\/td>\n<\/tr>\n
Ekitalci Consultoria e Investments, Lda – Maputo<\/td>\n840200064<\/td>\nCidade de Maputo – Bairro Central, Av. Eduardo Mondlane, n\u00ba 1927, 1\u00ba Andar<\/td>\n<\/tr>\n
Munguno, 2JM, Lda<\/td>\n871029147<\/td>\nCidade de Maputo – Bairro da Polana, Rua Jo\u00e3o Carlos Beir\u00e3o, n\u00ba 329, R\/C<\/td>\n<\/tr>\n
\u00c1guia Consultores, Lda<\/td>\n872143845<\/td>\nCidade de Maputo – Bairro Central, Av. Karl Max, n\u00ba 1839, R\/C<\/td>\n<\/tr>\n
Step A-Head, Lda<\/td>\n846601679<\/td>\nCidade de Maputo – Bairro da Polana, Rua Alfredo Keil, n\u00ba 2, 6\u00ba Andar, Flat 16<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Products and services provided by banking agent:<\/p>\n

    \n
  • Origination of credit processes of the civil servant segment.<\/li>\n
  • Uploading of the credit processes of the civil servant segment in the LAM system.<\/li>\n
  • Provision of information to customers in relation to statements and repayment plans.<\/li>\n
  • Attendance to customers of the civil servant segment.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

    First Capital Bank’s Credit for Civil Servants is a secure financing solution designed to support…<\/p>\n","protected":false},"author":14,"featured_media":2133,"parent":396,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3701","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/pages\/3701","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/comments?post=3701"}],"version-history":[{"count":34,"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/pages\/3701\/revisions"}],"predecessor-version":[{"id":4794,"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/pages\/3701\/revisions\/4794"}],"up":[{"embeddable":true,"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/pages\/396"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/media\/2133"}],"wp:attachment":[{"href":"https:\/\/www.firstcapitalbank.co.mz\/en\/wp-json\/wp\/v2\/media?parent=3701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}