COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. - HIPOTECARIO DE VIVIENDA - MFTransparency.org Truth In Lending Tables

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Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz

Data approved: 2010-10-28

Data version: 1

Age of data: 172 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (USD)	USD 4,302,502
Portfolio (USD)	USD 4,302,502
Active Clients with Loans	334
Approximate % Female Clients	0% - 20%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

DESTINADO PARA COMPRA, REFACCION, AMPLIACION O REMODELACION DE VIVIENDA. GARANTIA DEL MISMO INMUEBLE

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing	x
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance	x
Workplace visits	x
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
Must be a salaried worker	x
Must be specific age group
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 10,000
Maximum loan size	140,000

Loan Term and Grace Period

Shortest loan term	120.0 months
Longest loan term	180.0 months
Approx average	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	10.00%
Highest quoted nominal interest	13.00%
Reason(s) why interest rate varies	Loan Size
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Seguro Contra Incendio
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

	Fee 1
Description	Seguro de Vida
% of loan amount - min	6.00%
% of loan amount - max	6.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Full Pricing Data

HIPOTECARIO DE VIVIENDA samples

	Sample 1	Sample 2	Sample 3
Loan Amount	USD 11,200	USD 15,000	USD 16,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2010-09-21	2010-09-21	2010-09-22
Loan Term (Months)	120.0 months	120.0 months	120.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	13.2%	13.9%	13.2%
Insurance Component	0.7%	0.0%	0.7%
Tax Component	0.4%	0.3%	0.3%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	14.4%	14.2%	14.2%
Transparency Index	70	70	70

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

HIPOTECARIO DE VIVIENDA Price Graphs

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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
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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N (# of Samples)
Total Borrrowers of Samples


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By Country

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