Risk Base Pricing Analysis.xlsx

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  • 8/14/2019 Risk Base Pricing Analysis.xlsx

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    Principal 450,000.00 Repayment 93% 98% 103% 108% 113% 118%

    Tenor 7 80,000.00 82,504.00 15,711.50 15,937.18 16,164.27 16,392.76 16,622.64 16,853.89

    Rate 95% 100,000.00 103,130.00 19,639.38 19,921.48 20,205.34 20,490.95 20,778.30 21,067.37

    Fee 3.1% 120,000.00 123,756.00 23,567.26 23,905.77 24,246.41 24,589.14 24,933.96 25,280.84

    Prin + Fee 464,085.00 140,000.00 144,382.00 27,495.13 27,890.07 28,287.48 28,687.33 29,089.62 29,494.31

    160,000.00 165,008.00 31,423.01 31,874.37 32,328.55 32,785.52 33,245.28 33,707.78

    180,000.00 185,634.00 35,350.89 35,858.66 36,369.61 36,883.72 37,400.94 37,921.26

    200,000.00 206,260.00 39,278.76 39,842.96 40,410.68 40,981.91 41,556.60 42,134.73

    220,000.00 226,886.00 43,206.64 43,827.25 44,451.75 45,080.10 45,712.26 46,348.20

    240,000.00 247,512.00 47,134.51 47,811.55 48,492.82 49,178.29 49,867.92 50,561.68

    260,000.00 268,138.00 51,062.39 51,795.84 52,533.89 53,276.48 54,023.58 54,775.15

    280,000.00 288,764.00 54,990.27 55,780.14 56,574.95 57,374.67 58,179.24 58,988.62

    300,000.00 309,390.00 58,918.14 59,764.43 60,616.02 61,472.86 62,334.90 63,202.10

    320,000.00 330,016.00 62,846.02 63,748.73 64,657.09 65,571.05 66,490.56 67,415.57

    340,000.00 350,642.00 66,773.90 67,733.03 68,698.16 69,669.24 70,646.22 71,629.04

    360,000.00 371,268.00 70,701.77 71,717.32 72,739.23 73,767.43 74,801.88 75,842.51

    380,000.00 391,894.00 74,629.65 75,701.62 76,780.29 77,865.62 78,957.54 80,055.99

    400,000.00 412,520.00 78,557.52 79,685.91 80,821.36 81,963.81 83,113.20 84,269.46

    420,000.00 433,146.00 82,485.40 83,670.21 84,862.43 86,062.00 87,268.86 88,482.93

    450,000.00 464,085.00 88,377.22 89,646.65 90,924.03 92,209.29 93,502.35 94,803.14460,000.00 474,398.00 90,341.15 91,638.80 92,944.57 94,258.38 95,580.18 96,909.88

    480,000.00 495,024.00 94,269.03 95,623.10 96,985.64 98,356.57 99,735.84 #########

    500,000.00 515,650.00 98,196.91 99,607.39 ######### ######### ######### #########

    Principal 450,000.00 Repayment 2 3 4 5 6 9

    Tenor 8 80,000 82,504 46,213 31,966 24,863 20,618 17,802 13,161

    Rate 95.0% 100,000 103,130 57,766 39,958 31,079 25,773 22,252 16,452

    Fee 3.1% 120,000 123,756 69,319 47,949 37,295 30,927 26,703 19,742

    Prin + Fee 464,085 140,000 144,382 80,872 55,941 43,511 36,082 31,153 23,033

    160,000 165,008 92,426 63,932 49,727 41,237 35,604 26,323

    Repayment 80,502 180,000 185,634 103,979 71,924 55,943 46,391 40,054 29,613

    200,000 206,260 115,532 79,915 62,159 51,546 44,504 32,904

    220,000 226,886 127,085 87,907 68,375 56,700 48,955 36,194

    240,000 247,512 138,639 95,899 74,590 61,855 53,405 39,484

    260,000 268,138 150,192 103,890 80,806 67,009 57,856 42,775

    526,459.42 400,000 280,000 288,764 161,745 111,882 87,022 72,164 62,306 46,065

    31.61% 3.51% 300,000 309,390 173,298 119,873 93,238 77,319 66,757 49,356

    320,000 330,016 184,851 127,865 99,454 82,473 71,207 52,646

    330,000 340,329 190,628 131,861 102,562 85,050 73,432 54,291

    350,000 360,955 202,181 139,852 108,778 90,205 77,883 57,581

    380,000 391,894 219,511 151,839 118,102 97,937 84,559 62,517

    400,000 412,520 231,064 159,831 124,317 103,091 89,009 65,807

    420,000 433,146 242,617 167,822 130,533 108,246 93,459 69,098

    440,000 453,772 254,171 175,814 136,749 113,401 97,910 72,388

    460,000 474,398 265,724 183,806 142,965 118,555 102,360 75,679

    480,000 495,024 277,277 191,797 149,181 123,710 106,811 78,969500,000 515,650 288,830 199,789 155,397 128,864 111,261 82,259

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    Category Points SN Level

    Repayment 50 1 Platinium

    Top-up 50 2 Gold Plus

    New Application 200 3 Gold

    Reapplication 250 4 Silver

    Default (30) -100 6 Standard

    Default (31 < > 45) -150

    Default (Above 60) -200

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    Points Band

    4500 - above

    3201 - 4500

    2001 - 3200

    1000 - 2000

    501 - 10000 - 500

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    DescriptionThis is a general purpose cash loan targeted at lower to upper middle

    class salary earner.

    Age between 22 years and 55 years

    Must be a salary earner

    Must have a current account

    Must have a functioning phone numberEmployer phone number to be provided

    Must not be blacklisted by a Credit Bureau (30 days PDD)

    Must have a pension account or Electronic Tax Card

    Government Issue ID

    Employee ID

    Bank Statement for 6 months

    Employment Letter or Pay slip (for 3 months)

    Pension Statement or Electronic Tax Card

    Repayment Mode Post-dated Cheque

    Repayment Frequency Monthly

    PERSONAL CASH LOAN

    Minimum Acceptance Criteria

    Document Requirement

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    Classification

    Points

    Maximum Amount

    Minimum Amount

    Maximum Tenor

    Minimum Tenor

    Rate

    Admin Fee

    Classification

    Maximum Amount

    Minimum Amount

    Maximum Tenor

    Minimum TenorRate

    Admin Fee

    Classification

    Points

    Maximum Amount

    Minimum Amount

    Maximum Tenor

    Minimum Tenor

    Rate

    Admin Fee

    Classification

    Points

    Maximum Amount

    Minimum Amount

    Maximum Tenor

    Minimum Tenor

    STANDARD

    BRONZE

    Perks

    SILVER

    Perks

    GOLD

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    Rate

    Admin Fee

    Classification

    Points

    Maximum Amount

    Minimum Amount

    Maximum Tenor

    Minimum Tenor

    Rate

    Admin Fee

    Maximum Amount

    Minimum Amount

    Maximum Tenor

    Minimum Tenor

    Rate

    Admin Fee

    Perks

    Perks

    GOLD PLUS

    Perks

    PLATINUM

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    Standard

    0 - 500

    N450,000.00

    N80,000.00

    8 months

    1 month

    95% APR (4.87% flat)

    3.13 % of Loan Amount taken upfront

    Bronze

    N450,000.00

    N80,000.00

    8 months

    1 month88% APR (4.49% flat)

    3.1 % of Loan Amount taken upfront

    Reduction in interest rate

    Loan Principal increased to 400,000

    Silver

    1001 - 2000

    N500,000.00

    N80,000.00

    9 months

    1 month

    84% APR (4.27% flat)

    3.9% of Loan Amount taken upfront

    Reduction in interest rate

    Loan Principal increased to 500,000

    Loan tenor increased to 9 months

    Management fee is reduced to 3.9%

    Loan will be processed with 3 hours of application

    Gold

    2001 - 3200

    N600,000.00

    N80,000.00

    9 months

    1 month

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    84% APR (4.27% flat)

    3.9% of Loan Amount

    Reduction in interest rate

    Loan Principal increased to 600,000

    Loan tenor increased to 9 months

    Management fee is reduced to 3.9%

    Access loan via PageCredit branded Debit CardAccess to Loan 7 days a week excluding public holidays

    Loan will be processed within 2 hours of application

    Gold Plus

    3201 - 4500

    N750,000.00

    N80,000.00

    12 months

    1 month

    78% APR (3.95% flat)

    4.36 % of Loan Amount taken upfront

    Reduction in interest rate

    Loan Principal increased to750,000

    Loan tenor increased to 12 months

    Management fee is reduced to 1.2%

    Access loan via PageCredit branded Debit Card

    Access to Loan 7 days a week including public holidays

    Loan will be processed within 1 hours of application

    N1,000,000.00

    N80,000.00

    12 months

    1 month

    70% APR (3.66% flat)

    1.9 % of Loan Amount spread over loan tenor upfront

    Reduction in interest rate

    Loan Principal increased to 1,000,000Loan tenor increased to 12 months

    Management fee is reduced to 1.2%

    Access loan via PageCredit branded Debit Card

    Access to Loan 7 days a week including public holidays

    Loan will be provided with 20 minutes of application

    Annual draw to reward one customer with an all-expenses paid trip abroad.