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Institution
Data approved: 2013-09-05
Data version: 2
Age of data: 134 months
Description
Crédito destinado a la compra, construcción, refacción, remodelación, ampliación, mejora, anticrético, vivienda productiva y/o legalización de la vivienda
Any purpose Income generation Mortgage/housing x Consumer loan Agriculture Education Other household finance Other Compra de vivienda, terreno, construcción Other (2) Refacción, remodelación, ampliación, etc.
Credit education Group meetings Credit insurance x Workplace visits Business training Other training Other Other (2) No other services
Men x Women x Must run a business x Must own a home or land Must be a salaried worker x Must be specific age group Other Other (2)
Portfolio Size by Product
Geographic Coverage
# Regions for this institution 9 # Regions for this product 9 Regions Active Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
Loan Conditions
Currency BOB Minimum loan size BOB 400 Maximum loan size 200,000
Loans less than BOB 10,000 5% BOB 10,000-40,000 60% BOB 40,000-70,000 30% BOB 70,000-100,000 5% BOB 100,000-125,000 0 Greater than BOB 125,000 0
Shortest loan term 3.0 months Longest loan term 60.0 months Approx average 40.0 months
Loans 3 months or less 0 Between 4 and 6 months 0 Between 7 and 9 months 0 Between 10 and 12 months 5% Between 13 and 18 months 5% Longer than 18 months 90%
Daily Weekly Every 2 weeks Every 4 weeks Monthly x Every 2 months x Quarterly x Every 6 months x Every 12 months x Single end payment Irregular payments
Pricing Information
Interest
Lowest quoted nominal interest 17.00% Highest quoted nominal interest 24.50% Reason(s) why interest rate varies Loan Size, Collateral, Plazo Interest rate period Yearly Interest Rate Calculation Method Decl Bal Subsidized by funder request? No Is rate fixed for entire loan term Yes
Upfront Fees This product has no upfront fees Ongoing Fees This product has no ongoing fees Upfront Insurance Fees This product has no upfront insurance fees Ongoing Insurance Fees This product has no ongoing insurance fees
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? No
Full Pricing Data
Sol Vivienda (Tasa Fija, BOB) sample s
Sample 1Sample 2Sample 3Sample 4Loan Amount BOB 4,000 BOB 24,450 BOB 48,000 BOB 73,000 Loan Cycle (1, 2, 3, etc)Not Known Not Known Not Known Not Known Disbursement Date 2013-12-17 2013-06-25 2013-12-06 2013-08-23 Loan Term (Months) 7.0 months 38.0 months 17.0 months 25.0 months Grace Period (Months)0.5 months 0.3 months 0.2 months 0.3 months Total Cost of Credit BOB 307.52 BOB 7,360.27 BOB 8,999.54 BOB 17,788.78 True Price by Comp Interest price component 22.6% 17.1% 23.1% 21.1% Fee Component 0.0% 0.0% 0.0% 0.0% Insurance Component 0.0% 0.0% 0.0% 0.0% Tax Component 0.0% 0.0% 0.0% 0.0% Deposit Component 0.0% 0.0% 0.0% 0.0% Full APR (int fee ins tax dep)22.6% 17.1% 23.1% 21.1% Transparency Index 75 99 74 81 Original Repayment Schedule PDF PDF PDF PDF MFT Pricing Calculation PDF PDF PDF PDF
Sol Vivienda (Tasa Fija, BOB) Price Graphs
0 100 Pricing Transparency Index Regulated Inst. Not Regulated Inst. Bank Institution Type Housing Loan Purpose BancoSol Institution BO-005-V02-P15 Product BO Country 2013 Year Range Number 2 Institution Data Version 0 20,000 40,000 60,000 80,000 Loan Size (all) 0% 5% 10% 15% 20% 25% Full APR (int fee ins tax dep) > 1,600 1,200 800 400 40 Number of Borrowers
