Verified local facts
The net-proceeds waterfall labels every inlet, diversion, useful pool and downstream payment before a total is allowed to reach the household decision.
Evidence reviewed
Help a Mauritius household calculate total repayable amount using attributable evidence and a stop condition.
Decision checklist
The net-proceeds waterfall labels every inlet, diversion, useful pool and downstream payment before a total is allowed to reach the household decision; review marker 101 applies this device only to “calculate total repayable amount Mauritius” and the evidence boundaries named on this page.
Seal one quotation version
Place the quotation, schedule, terms and related answer under one reference and date. Do not combine a current product page with an expired simulation or a second amount. Record the contracting entity and exact product title. Public MCB and MauBank pages may define their own visible vocabulary, but they do not supply missing values for this folder. If documents conflict on capital, term or rate, stop the waterfall before calculation and request the controlling version.
Mark the capital inlet
Copy the nominal amount exactly, including MUR and the document label. Distinguish requested amount from approved amount and approved amount from disbursed amount; none may be assumed from the previous stage. A provider range is not an inlet because it is not tied to the reader's case. Write unknown when the proposal does not state the applicable amount. The inlet must point back to a personal document, not an online maximum.
Map every initial diversion
List each sum removed before money reaches the reader or payee. Identify insurance, processing, another service, settlement of an existing balance or a direct payment only where the document says so. Add beneficiary, reason and timing. Do not name an unexplained difference by intuition. MCB's rate material can support its own stated categories but cannot determine a deduction in another document. An unpriced mandatory item remains a blocked diversion.
Measure the useful pool
Subtract documented initial diversions from the capital inlet and add any direct payment that genuinely meets the stated job. Compare the result with the bill or project card. The useful pool is not necessarily cash in the reader's account; its definition must match the transaction. If the project remains partly unfunded, record the shortfall instead of increasing the loan inside the calculation. A complete useful-pool figure is required before products can share a scenario.
Lay the repayment channels
Create one dated mark for every scheduled payment, including a different first or last instalment. Keep regular payments, insurance collected later and conditional event charges in separate channels. Do not infer the number of payments from a representative instalment. Sum the normal channel once, then keep incident channels outside the normal total. Another person should be able to count every mark and reach the same result without an oral explanation.
Reconcile provider and household totals
Place any stated total repayable beside the reconstructed normal outflow. First check payment count, rounding, initial diversions and charges collected outside instalments. Classify the difference as zero, explained by a named item or unresolved. Never force equality by importing a number from the provider website. An unresolved difference becomes a question that cites both totals and the precise version. It is not evidence of wrongdoing and not permission to estimate.
Send the waterfall through the budget
Move each known payment to the household's real income and essential-spending calendar. Test the ordinary month and a plausible disruption chosen by the household. A smaller total can still produce a dangerous pinch point, while a larger total does not automatically describe the household's best choice. Arithmetic reconciliation and affordability receive separate boxes. If essential spending loses protection, revise the job, amount or timing even when every rupee reconciles.
Sign without implying approval
The closing sheet records capital, useful pool, normal outflow, conditional items, unresolved differences and source dates. A signature means that documented cash movements were traced. It does not mean the provider has accepted an application, that the product is suitable or that the household can afford it. Compare the final contract with the signed sheet before commitment; any changed inlet, diversion or channel reopens the waterfall. Preserve the option to stop after perfect reconciliation. Before filing, perform a contract-parity walk. Read the final agreement from first page to last and tick every inlet, diversion and repayment channel against the signed waterfall. Check that useful cash still covers the same bill, that the payment count and final date match, and that insurance or service conditions have not moved between financed and separately collected positions. Any mismatch receives its own discrepancy ticket with document page, expected treatment and question. Do not solve it by adjusting the old worksheet to fit the new document; create a revised waterfall and preserve the previous one. Then ask a second household member to trace one rupee from capital through a deduction and one rupee from income through an instalment. They should identify the source and timing without relying on the sales conversation. Finally, place the confirmed schedule beside essential spending and sign capacity separately. This parity walk protects against a subtle but important error: treating a calculation prepared before assessment as though it were the contract eventually offered. Provider acceptance can change terms, and changed terms require a fresh household decision. If the institution has not issued a final agreement, the sheet remains a planning record only. If it has, agreement accuracy still does not compel signature. The waterfall closes when flows, affordability verdict and voluntary choice are each visible in their own box.