He has never left his hometown. Fernando installs plumbing for running water and earns about 3,000 to 4,000 meticais per month. He uses the money for household expenses and saves some in his bank account.
He has never had loans from other banks, and he learned about Hluvuku through his brother-in-law, who is a customer of this institution. This is Fernando's first Hluvuku loan. He is asking for 20,000 meticais to buy construction materials (sand, stone, blocks, cement, iron and other items) to continue construction on his house.
He promises to make his payments on time so he can take out other loans in the future. He intends to ask for more loans to build a warehouse for selling construction materials.
Nunca saiu da sua terra natal, faz prestação de serviços de canalização de agua e consegue um rendimento de cerca de 3.000.00mt, a 4.000.00mt por mês que aplica nas despasas de casa e consegue poupar uma parte na sua conta bancaria.
Nunca teve empréstimos em outros bancos, conheceu a Hluvuku através de seu cunhado que é cliente desta instituição. Este é o seu primeiro empréstimo na Hluvuku no valor de 20.000.00mt com o qual pretende comprar material de construção ( areia, pedra, blocos, cimento, ferro e outros) para continuar com a construcao da sua casa.
Compromete se a pagar devidamente para poder aceder a outros créditos no futuro, pretende solicitar novos empréstimos para construir um armazem de venda de material de construçaõ.
About Housing Loans
Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.
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