Personal Loan – Credit for Public Sector Employees with On-Site Banking Agreement
A personal loan is a flexible financing solution that allows clients to access funds for personal expenses, with repayment terms and conditions tailored to their individual needs.
Credit for Public Sector Employees with On-Site Banking Agreement
This is an unsecured personal loan specifically designed for employees of government institutions. It is managed through an agreement between the Bank and the relevant government entities and is structured to meet the personal financial needs of their employees.
Benefits:
• Flexible repayment period ranging from 1 to 5 years
• Quick and flexible access to funds for personal projects
• Simple application process
• Debt consolidation into a single line of credit
Key Information:
• The client must earn a monthly salary of at least MZN 5,000.00
• Loan amounts range from MZN 10,000.00 to MZN 2,000,000.00
• Monthly instalments will be debited directly from the account into which the client’s salary is paid
• The loan term may extend up to 60 months
• This credit is available exclusively to government employees whose institution has an on-site banking agreement with the Bank
Required Documents:
• National ID card, passport or driving licence
• Proof of residence (e.g., most recent utility bill – water or electricity)
• Proof of income
• Most recent payslip
All documents must be submitted in their original format. The list of required documents above is indicative. The Bank may, at any time, request additional documents or information in order to process the application(s).
Standardized Information Sheet
Consumer Loan for Employees of Private Companies
This is an unsecured personal loan designed for employees of private companies, intended to cover their personal expenses. It is managed through an agreement between the Bank and the respective companies.
Benefits:
• Loan amounts ranging from MZN 10,000.00 to MZN 2,000,000.00
• Flexible repayment period ranging from 1 to 5 years
• Simple application process
Key Information:
• The client must earn a monthly salary of at least MZN 10,000.00
• Monthly instalments will be directly debited from the account into which the client’s salary is paid
Required Documents:
• National ID card, passport or driving licence
• Proof of residence, e.g., most recent utility bill (water or electricity)
• Proof of income
• Most recent payslip
All documents must be submitted in their original format. The list of required documents provided above is indicative. The Bank may, at any time, request additional documents or information in order to process your application(s).
Standardized Information Sheet
Personal Loan for Employees of Companies Without On-Site Banking Agreement
This is an unsecured personal loan designed for salaried employees of private companies that do not have an on-site banking agreement. It is tailored to meet their personal financial needs.
Benefits:
• Loan amounts ranging from MZN 10,000.00 to MZN 2,000,000.00
• Repayment terms from 1 to 5 years
• Simple application process
Key Information:
• The client must earn a monthly salary of at least MZN 50,000.00
• Monthly instalments will be debited directly from the account into which the client’s salary is paid
Required Documents:
• National ID card, passport or driving licence
• Proof of residence, e.g., most recent utility bill (water or electricity)
• Proof of income
• Most recent payslip
All documents must be submitted in their original format. The list of required documents provided above is indicative. The Bank may, at any time, request additional documents or information in order to process your application(s).
Standardized Information Sheet
Public Sector Employee Loan
This is an unsecured personal loan designed for employees and agents of the state whose salaries are processed via SISTAFE (the State Integrated Financial Management System).
Benefits:
• Flexible repayment period ranging from 1 to 6 years
• Quick and flexible access to funds for personal projects
• Debt consolidation into a single line of credit
Key Information:
• The client must earn a monthly salary of at least MZN 5,000.00
• Loan amounts range from MZN 10,000.00 to MZN 2,000,000.00
• Monthly instalments are debited directly from the account into which the client’s salary is paid
• Loan term of up to 72 months
• This loan is available exclusively to government employees whose salary is processed through SISTAFE
Required Documents:
• National ID card, passport or driving licence
• Proof of residence, e.g., most recent utility bill (water or electricity)
• Proof of income
• Most recent payslip
All documents must be submitted in their original format. The list of required documents provided above is indicative. The Bank may, at any time, request additional documents or information in order to process your application(s).
Standardized Information Sheet
