Verified local facts
The product-shape sorter places every borrowing structure in its own specimen tray, then tests purpose, cash flow, security, rate basis, duration and exit without blending labels.
Tag the job the borrowing must perform
Write the purchase, repair, consolidation or temporary cash-flow task on the first tag. Add the payee, useful date and consequence of delay. A reusable label such as personal loan is too broad: two households may use the same label for different work. Separate the indispensable portion from upgrades and place a non-borrowing route beside it. The sorter refuses a product whose structure solves a different job merely because its advertised limit is convenient. This purpose tag controls every later comparison and prevents a revolving facility, term loan or secured obligation from being treated as interchangeable without examining how money is advanced and repaid.
Separate unsecured and secured exposure
A product name does not reveal every asset or promise placed at risk. Read the provider document for security, guarantor, assignment, salary-routing or account conditions, then tag only what is written. MauBank describes its cited personal product as unsecured; that statement belongs to MauBank's page and date. It does not define another product or eliminate every consequence of default. For a secured specimen, identify the asset, ownership, enforcement language, valuation responsibility and debt-free alternative. For an unsecured specimen, do not translate the label into low risk. Hold the tray when exposure is unclear rather than inferring it from a marketing category.
Measure useful cash, not nominal capital
The amount tray records requested capital, each deduction and the net sum available for the stated job. Provider ranges are orientation evidence only. A personal quotation must show which figure applies to the reader and what will be withheld. Match the net proceeds to the bill or project rather than congratulating the largest headline amount. Unknown insurance, account or processing deductions remain blank and block a complete comparison. The same MUR request can produce different useful cash if its flows differ. That makes net proceeds a structural feature, not a small-print adjustment. Never combine a range from one page with charges taken from another specimen.
Pin the rate label to its mechanism
Place the exact rate wording, fixed or variable status, reference basis, margin, review date and calculation period on a mechanism card. MCB's rate publication can support the architecture it displays, but a personalised quotation determines the value offered to an applicant. A percentage without its base and timing is not comparable. If one specimen uses a reference-linked rate, record how a change reaches instalments or term according to its documents. A reader-chosen stress movement is a budget test, not a forecast. Missing mechanism details send the specimen to the evidence tray; they are not supplied from general banking knowledge.
Draw the repayment geometry
Some obligations reduce through scheduled instalments; others may permit different draw or repayment behaviour. Recreate the exact disbursement and payment sequence from the document. Mark first instalment, frequency, maturity, balloon or conditional amounts, and any ability to redraw only when expressly stated. Overlaying two complete sequences reveals timing pressure that a monthly headline can hide. A longer line may lower an instalment while extending exposure; a shorter line may crowd essential spending. The sorter does not call either geometry better. It asks whether the shape matches the household calendar for the same useful cash and whether the reader can explain every turn in the sequence.
Attach conditional-cost flags
Late-payment, early-settlement, insurance, account and service consequences sit on coloured flags outside the regular payment line. The flag records the event that activates the charge, its calculation rule, beneficiary and evidence. A blank flag is unknown, not zero. MCB's pricing document and the cited provider pages are used only where their visible text covers the point. Ask for the current personal schedule when a flag matters to the case. This treatment stops conditional terms from disappearing inside a single total and lets a household examine its plausible vulnerabilities without pretending that every event will occur.
Run one case through every tray
Lock the purpose, useful cash, start date and household calendar. Process each specimen through those identical inputs. Do not increase the amount for one option, remove insurance from another or change the term simply to make an instalment attractive. Record where the provider's rules prevent an identical setting; that difference is itself part of the result. Recalculate known flows and preserve all exclusions. The legislation exhibit informs the questions to locate in official materials but supplies no personal term. When an input remains decisive and missing, the sorter returns an evidence request rather than a provisional winner.
Issue a fit note with an exit
The closing note lists the job, accepted tags, unresolved flags, calendar pressure and reason a structure remains under consideration or is set aside. It names no best product and predicts no approval. Include the option that completes the job with less or no new debt, and state the trigger for reopening the sort: changed quotation, changed income, new fee or delayed project. Keep rejected specimens with their reason so they do not re-enter through a different label. A fit note is useful only if another household member can reproduce the classification and see why an apparently attractive headline did not override missing structural evidence.
Evidence and limitations
Products with official evidence
MCB Personal Loan
Not published — request current pre-contract information
The official current rate sheet lists personal loans as a margin over PLR; a personalised quotation determines the payable rate.
MauBank Unsecured Personal Loan
50,000–4,000,000 MUR · 12–84 months
The official page confirms MUR 50,000 to MUR 4,000,000, up to seven years and a displayed fixed-rate calculator; obtain the final quotation.
Pricing absent from an official source remains unpublished. Obtain a current written quotation and repayment schedule.