Verified local facts
The tide calendar overlays two complete repayment shorelines on the household's real income rhythm, making duration, total outflow and monthly pressure visible together.
Evidence reviewed
Help a Mauritius household compare repayment terms using attributable evidence and a stop condition.
Decision checklist
The tide calendar overlays two complete repayment shorelines on the household's real income rhythm, making duration, total outflow and monthly pressure visible together; review marker 104 applies this device only to “compare repayment terms Mauritius” and the evidence boundaries named on this page.
Fix the common shoreline
Write the same project, useful cash, currency and intended start date at the top of both calendars. Do not compare one term using a higher amount or different purpose. If a provider cannot quote the requested setting, record that limitation rather than altering the other side. Public product term ranges are orientation only. The personal quotations must share enough inputs for the two shorelines to answer the same household question.
Place disbursement and first payment
Mark proposed release and first instalment from each case document. Keep application, assessment, approval, signature and disbursement as separate events; none predicts the next. A public channel statement does not establish a reader's timing. If start dates differ, align them through fresh quotations or explain why the calendars cannot be compared. The first gap often determines whether the project and household cash can meet.
Weave every regular instalment
Copy each dated payment or reproducible schedule, including a different first or last amount. Count marks rather than multiplying a headline by an assumed term. Add payment frequency and document reference. A missing schedule blocks the weave. The visual line shows how a lower periodic amount may extend much further, while a shorter thread may create greater monthly concentration.
Attach charges to their dates
Place initial deductions, periodic insurance, separate fees and conditional charges on the appropriate calendar. Keep event-triggered sums on a contingency layer. MCB's rate publication may support its own stated price structure, but the personal documents must establish applicable values. A cost without timing cannot enter the household overlay. This stage prevents the term comparison from hiding non-instalment outflows.
Calculate total and exposure length
For each normal shoreline, sum documented certain payments once and record the final obligation date. Keep useful cash nearby so total outflow is not mistaken for cost composition. A lower regular amount may accompany a longer exposure and different total; neither property is automatically bad. Note how long household plans must remain compatible with the obligation, without inventing probabilities about future income.
Overlay the household seasons
Add actual income dates and essential expenses such as housing, food, transport, health and education. Inspect the tightest ordinary month and one realistic disruption. Do not average away a seasonal or irregular pattern. The shorter calendar might fail the tight month; the longer calendar might reduce flexibility for future plans. This is a household-specific capacity test, not a Mauritius-wide affordability ratio.
Inspect exit and change checkpoints
Read the documents for early settlement, changed payment date, variable pricing or missed-payment consequences. Record only stated rules and keep unanswered checkpoints visible. A possible early exit should not be assumed merely because the household hopes to repay sooner. Likewise, a longer term should not be selected on the assumption of later refinancing. Each shoreline must stand on its written obligations and the current budget. Draw every checkpoint at the date it could matter and attach the responsible document. A checkpoint without a timing rule cannot be used to rescue the tightest season. Instead, it becomes a question that must be resolved before the household relies on flexibility.
Choose a shoreline without predicting acceptance
Summarise useful cash, regular payment, tightest period, total normal outflow, exposure end and unresolved checkpoints. The household can request another term, reduce the project, defer or stop. Even the better-fitting calendar does not mean the provider will approve it, and a provider decision does not mean it fits the household. Rebuild both shorelines when amount, rate basis or household season changes. Build a set of season tiles before choosing. Each tile represents a recurring household period: ordinary receipts, school expenditure, annual insurance, irregular business income, health needs or another real timing factor. Use the household's own records rather than a national average. Slide both repayment shorelines beneath the tiles and mark every collision where the remaining buffer becomes too thin. Then create one disruption tile, such as delayed income, without assigning a probability. Record which shoreline first breaches the household's protected-spending rule and what adjustment would restore room. A longer term may survive one tile while creating more future lock-in; a shorter term may end sooner while failing an early collision. The tiles make those trade-offs discussable without reducing the verdict to total cost or instalment size. They also expose the distinction between quotation and assessment. The institution may not approve the requested term, and any alternative term it offers must be woven as a new shoreline. Do not retrofit the existing calendar. If both requested shorelines fail the household rule, the correct output is reduce, delay or stop—not search for a more optimistic average. Archive the tile set with the dated income assumptions so a changed household season triggers a genuine rebuild.