2. CIDRE
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Institution

CIDRE Calle Juan de la Cruz Torrez # 1674Cochabamba, Cercado28034
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Product

Credito Hipotecaria (USD) Product 4 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 755,374.25
Portfolio (USD)USD 755,374.25
Active Clients with Loans91
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
El financiamiento para este tipo de crédito es destinado a la compra, construcción, refacción o ampliación de vivienda, que se constituye en garantía; desde US$ 1.000 y hasta el 1% del patrimonio neto del CIDRE.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherCapacidad de pago
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size43,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term84.0 months
Approx average55.0 months
Grace Period
Grace period usage10%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 monthsx
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionDesgravamen
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Credito Hipotecaria (USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 6,000USD 8,500USD 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-02-092010-07-302010-08-24
Loan Term (Months)48.0 months60.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component18.9%19.3%18.8%
Insurance Component0.0%0.0%0.0%
Tax Component0.1%0.1%0.3%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)19.0%19.4%19.1%
Transparency Index959394
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Credito Hipotecaria (USD) Price Graphs


Click to view Price Analysis Tool
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Urwego37,90014,755,0006
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Zamuka253124,4453143
Zigama CSS53,80659,670,7532160
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Key Statistics
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Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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