Verified local facts
The charge constellation gives each outflow its own orbit, trigger and evidence trail, exposing double counts and dark spaces without inventing a price.
Evidence reviewed
Help a Mauritius household identify fees and insurance using attributable evidence and a stop condition.
Decision checklist
The charge constellation gives each outflow its own orbit, trigger and evidence trail, exposing double counts and dark spaces without inventing a price; review marker 103 applies this device only to “identify fees and insurance Mauritius” and the evidence boundaries named on this page.
Draw the quotation's centre
Place nominal capital, useful cash, product, term, date and document reference at the centre. Every star must belong to that same version. A general provider page can identify its own visible wording but cannot orbit a different personal quotation. If capital or term changes, open a second map. The centre prevents a fee from an old simulation or another product from contaminating the current cost picture.
Plot initial-deduction stars
Map processing, insurance, settlement or other sums taken before disbursement only when documented. Note whether the item reduces useful cash or is financed within capital. Record who receives it and when. An unexplained gap stays dark; it is not labelled fee automatically. MCB's rates material may help phrase a question about MCB's own publication, while the quotation must confirm the actual case.
Plot recurring stars
Separate interest-bearing instalments, insurance collected periodically, account service and any other recurring payment. Identify whether each is already included in the quoted instalment. Do not add it twice. A named service with no price remains unresolved and cannot be treated as free. Map frequency and first and final occurrence so a regular-looking amount does not hide a shorter or longer run than the main schedule.
Plot event-triggered stars
Late payment, returned debit, early settlement, changed instruction or another event belongs outside the normal repayment sky. Record the activating event and calculation rule without pretending it will occur. These stars matter for risk planning but should not inflate the ordinary total as certainties. If the rule is absent or ambiguous, ask for the current document. Never copy an incident charge between providers.
Test compulsory status
For every insurance, account or service item, locate the wording that makes it required, optional, conditional or silent for the exact case. Marketing prominence does not establish compulsion, while absence from a headline does not establish optionality. Keep the reader's independent preference separate from contractual necessity. A conditional item needs its condition. This test changes both net proceeds and comparison scope, so unresolved status blocks a clean total. Record who can answer the status question and which version would govern. If the answer changes after assessment, rebuild both the useful-cash and repayment paths rather than changing a single label.
Search for eclipses and duplicates
Follow each amount from its first appearance to final payment. Check whether it was deducted initially, financed, embedded in instalments or charged separately. Mark duplicates before summing. Then inspect whether a broad total eclipses underlying items that need separate household attention. A second reviewer should reproduce the map from documents alone. A disagreement becomes a source question, not a balancing adjustment.
Create three night-sky totals
Calculate known normal outflow, separately list conditional exposure, and keep unresolved items unpriced. Do not collapse all three into a single dramatic number. Compare normal totals only when the same scenario and charge perimeter apply. Conditional exposure supports contingency planning; unknowns support evidence requests. The constellation explicitly shows why a seemingly precise figure may still be incomplete.
Hand the map to the household
Place normal and conditional payments on the household calendar and identify the tightest period. The map's accuracy does not decide whether essential spending remains protected. It also cannot indicate acceptance by MCB, MauBank or any other institution. Close with one action for each dark star and a review trigger for a replaced quotation. A signed constellation means the documented charge architecture is visible—nothing more. Finish with an insurance-and-service interview sheet. For each related item, ask who supplies it, what event begins it, whether the exact quotation makes it compulsory, how it is priced, where it appears in net proceeds or instalments, and what document governs a change or cancellation. Record the answer without assuming that an optional label means irrelevant or that a required label means the published amount applies personally. Draw a path from the item to useful cash, ordinary payments and contingent exposure. If one answer alters two paths, reopen both totals. Next, run a removal thought experiment only as analysis: what remains of the borrowing structure if an item is demonstrably optional and the household chooses not to take it? Do not remove it from the actual calculation until the written quotation permits that choice. The interview sheet also identifies account conditions that may create costs outside the loan schedule; those remain separate until a competent document links them. A second reviewer checks the final constellation for orphan stars, duplicate paths and dark stars that should have blocked the total. The household then writes its capacity response beside each material conditional cost. None of this predicts whether an application will pass assessment. It establishes what must be priced and understood before a voluntary contract decision.