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Benefits

Simplicity in the process

Crédito Nova Vida adapts to your reality.

Public and Private Sector Employees may apply at their nearest Branch.

Public Servants with Payroll Deduction at Source may apply at a Branch even without a domiciled salary.

Digital Accessibility

Public Sector Employees who are subject to payroll withholding and have domiciled salaries can also apply through Smart IZI, in a 100% digital process available 24/7.

Flexibility

Flexible financing conditions that allow you to adjust both the loan amount and the repayment term, with fast approval.

Fulfilment

An optimal balance between financing amount and repayment period, ensuring greater financial comfort and efficient liquidity management.

  • Organization fee: 1200 MZN at the branch; Exempt on the Smart IZI APP.
  • In case of missed monthly instalments, a late-payment interest of 2% is applied on the overdue and unpaid amount.
  • For early repayment (partial or total), a 5% penalty is applied on the repaid amount.

Access the “Crédito Nova Vida” option available in SmartIZI and follow the steps to apply for the Loan or visit your nearest branch.

  • Public Sector Employees
  • Private Sector Employees
Features
Financing amount
Financing amount
Min: 10.000 MZN and Max: 3.500.000 MZN
Term
Term

Public Sector Employees with payroll deduction at source: 84 months;

Public Sector Employees: 72 months;

Private Sector Employees: 60 months.

Interest Rate

Interest Rate
Fixed or variable.
Associated Insurance**
Associated Insurance**
  • Public Sector Employees: Life insurance
  • Private Sector Employees: Life Insurance and Payment Protection Plan Insurance.
Purposes
Purposes

Crédito Nova Vida can be used for the acquisition of  consumer goods and services, including:

  • Vehicles and Accessories
  • Education
  • Furniture
  • Home Appliances
  • Computer equipment
  • Medical and Health Expenses
  • Holidays and Travel
  • Purchase of OIC Credit
  • Loan Regularization and Restructuring
  • Home Improvement
* The contracting of the credit operations advertised herein will be subject to credit risk analysis.  
** The Client is free to choose their preferred company insurance provide. 
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