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
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeHousingLoan PurposeCIDREInstitutionBO-006-V01-P04ProductBOCountry2010YearRange Number1Institution Data Version05,00010,00015,00020,000Loan Size (all)0%5%10%15%20%Full APR (int fee ins tax dep)> 1091Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Institution # Borrowers Portfolio (US$) Products Age of Data
AB Bank300307,0002167
AMZ4,900651,0002167
CETZAM6,7002,210,0004167
Eclof Zambia200111,0004167
Empowerment1,500447,0005167
FINCA Zambia43,70016,420,0004125
Harmos9,8001,398,0003167
Kungoma4318,0002167
MBT13,9001,563,0005167
Meanwood2,0001,766,0005167
PFSL1,3003,506,0003167
Zambia CRC301,0001167
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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