CIDRE - Credito Hipotecaria (BOB) - MFTransparency.org Truth In Lending Tables

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Institution

CIDRE Calle Juan de la Cruz Torrez N° 1674, CercadoCochabamba, Bolivia28034

Data approved: 2013-08-02

Data version: 2

Age of data: 134 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (BOB)	BOB 28,991,985
Portfolio (USD)	USD 4,295,108.89
Active Clients with Loans	987
Approximate % Female Clients	0% - 20%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
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/housing	x
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

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

Eligibility

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

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	7
# Regions for this product	7
Regions Active	Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount

Currency	BOB
Minimum loan size	BOB 3,500
Maximum loan size	843,200

Distribution at Disbursement (Est.)

Loans less than BOB 10,000	15%
BOB 10,000-40,000	20%
BOB 40,000-70,000	20%
BOB 70,000-100,000	15%
BOB 100,000-125,000	15%
Greater than BOB 125,000	15%

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	96.0 months
Approx average	48.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	10%
Between 13 and 18 months	30%
Longer than 18 months	60%

Grace Period

Grace period usage	10%
Average grace period	DK

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	17.00%
Highest quoted nominal interest	25.00%
Reason(s) why interest rate varies	Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	No

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

	Ins 1
Description	Seguro de Desgravamen
% of loan amount - min	0.60%
% of loan amount - max	4.80%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	El costo es de 0.05% mensual, con cargo sólo en el saldo de capital pendiente del préstamo.
Appears on Repayment Sched?	Yes

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?	No

Are taxes charged on this product?

Full Pricing Data

Credito Hipotecaria (BOB) samples

	Sample 1	Sample 2	Sample 3
Loan Amount	BOB 28,000	BOB 42,000	BOB 83,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2013-06-29	2013-05-04	2013-06-15
Loan Term (Months)	24.0 months	37.0 months	61.0 months
Grace Period (Months)	-0.3 months	0.0 months	0.0 months
Total Cost of Credit	BOB 6,531.44	BOB 12,237.34	BOB 44,985.57
True Price by Comp
Interest price component	22.4%	18.2%	20.7%
Fee Component	0.0%	0.0%	0.0%
Insurance Component	0.6%	0.6%	0.6%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	23.0%	18.8%	21.3%
Transparency Index	74	91	80

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

Credito Hipotecaria (BOB) Price Graphs

Loan Size/

Loan Term/

Custom

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	162
AJDFI	13,100	884,000	6	162
ARDCI	44,600	9,403,000	1	162
ASA Philippines	333,400	29,282,000	1	162
ASHI	35,400	5,231,000	6	162
ASKI	60,000	15,247,000	4	162
Bangko Kabayan	8,900	2,373,000	2	162
BSEI	600	73,000	2	162
CBI	8,100	2,010,000	5	162
CCT	70,300	9,504,000	4	162
CEV	35,400	5,111,000	4	162
DSPI	59,300	3,676,000	3	162
ECLOF	5,400	1,836,000	4	162
FCB	12,000	2,392,000	2	162
FMB	2,700	710,000	2	162
GM Bank	23,500	1,553,000	3	162
HSPFI	19,100	1,899,000	2	162
JVOFI	1,300	281,000	1	162
Katipunan Bank	42,100	5,325,000	2	162
KDCI	20,500	2,095,000	3	162
KGI	32,300	3,421,000	4	162
KMBI	245,000	15,098,000	1	162
LTMPC	37,400	8,935,000	3	162
Mallig Plains	6,500	641,000	2	162
MILAMDEC	29,800	3,278,000	2	162
MWIMPC	11,800	1,740,000	4	161
NWTF	105,500	12,698,000	5	162
OFMPC	4,400	964,000	1	162
PBC	50,700	10,434,000	4	162
PCSD	700	167,000	1	162
PMPC	23,500	5,565,000	8	162
RB Angeles	900	1,502,000	2	162
RB Labason	500	289,000	1	162
RBLI	5,200	1,026,000	2	162
RBMI	11,900	1,750,000	2	162
RMB	100	173,000	1	162
RSPI	39,600	2,834,000	4	162
SAFRAGEMC	1,100	229,000	1	162
Salve	10,900	1,191,000	3	162
SEDP	27,000	3,914,000	3	162
TSKI	212,900	25,187,000	2	162
TSPI	264,500	31,290,000	7	162
Valient	1,700	672,000	2	162

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Credito Hipotecaria (BOB) samples

Credito Hipotecaria (BOB) Price Graphs

Total Borrowers of Samples

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