Verified local facts
Confirm that the document belongs to the specific proposal. Check the legal provider, product, borrower reference, quotation date, currency, principal, disbursement date, term and frequency. Map disbursement, first payment, every regular or irregular payment, final payment and maturity date. Add compulsory amounts collected outside instalments. Verify that payment count agrees with the term and identify a different first or final amount. A generic calculator, marketing page or product summary cannot supply this chronology. The output is an allocation and reconciliation record, not an approval or affordability decision.
Evidence and limitations
For each period, record opening principal, principal repaid, interest, fee allocation, insurance allocation, other compulsory amount, total payment and closing principal. If the provider shows only one payment total, ask for the allocation instead of inventing a split from a public rate. Test whether opening principal less principal repaid equals closing principal, subject to provider-explained adjustments. Add all payments and compare the result with quoted total repayment. Record rounding differences, but refer an unexplained material difference to the provider. Preserve the original schedule, provider response and corrected version.
Questions before signing
A schedule can omit an upfront deduction, separately collected premium or account charge while still looking complete. Adding those items twice is equally misleading when they are already financed or embedded in payments. Missed-payment cost cannot be calculated from the ordinary schedule without the contractual late-rate and penalty rules. Stanbic product-level terms do not reveal an applicant's dates, principal, rate or currency; CBZ's page also lacks a personal schedule. Neither page can be converted into one. A schedule that reconciles mathematically may still be unaffordable, and a public product description establishes neither approval nor current availability.
Decision checklist
Retain the quotation, agreement, original schedule, net-proceeds statement, allocation worksheet, identified discrepancies, provider explanations and corrected schedule. Mark which document version governs the decision. For a missed-payment clause, record the due date, grace period if supplied, late-interest basis, penalty, notice process and effect on later balances without calculating values the contract does not provide. Once the schedule reconciles, pass its verified payment dates to a separate household cash-flow test. Do not silently correct a provider balance, infer missing currency or rate, or describe the completed arithmetic as evidence that the loan is suitable.
Confirm the schedule belongs to the proposal
Match the legal institution and product to the quotation and agreement. Record borrower or application reference, issue date, exact currency, principal, disbursement date, term and payment frequency. Check whether the schedule is preliminary or belongs to the signed agreement. RBZ explains that a signed loan agreement should include a repayment schedule and says borrowers should retain the agreement. That does not turn a public example into a personal document. If identifying inputs are absent or disagree with the quotation, ask the provider for a corrected schedule before relying on any payment or balance.
Map first, regular and final payment dates
Create a chronology beginning with disbursement and ending at maturity. Enter the first due date, every regular payment, skipped or irregular periods, a different final payment and compulsory amounts collected separately. Confirm payment count against the stated term and ask whether an immediate or partial first period applies. A label such as monthly does not by itself prove the first date or number of payments. Mapping dates exposes a larger closing amount or a gap that a single instalment figure hides. It also supplies the correct dates for a later household cash-flow test without assuming that income and payments occur together.
Allocate principal, interest, fees and insurance
Give each period columns for opening principal, principal repaid, interest, fees, insurance, another compulsory amount, total paid and closing principal. Ask the provider for a split when the schedule shows only one payment total. RBZ distinguishes reducing-balance interest, calculated against principal that remains unpaid, from flat-interest calculation and says regulated institutions should use reducing-balance computation for loan products. That general guidance does not provide the applicant's rate or allocation. Do not reverse-engineer an official-looking split from a web page. Use the provider's dated schedule and written calculation explanation, including how rounding and financed charges enter the balance.
Reconcile balances and amounts outside instalments
For each line, compare opening principal less principal allocation with closing principal and note any provider-explained adjustment. Sum payments and reconcile them with the quotation's total repayment. Then inspect the disbursement statement for a fee or premium deducted before payout and the surrounding account records for compulsory amounts collected separately. Do not add an item again when it is financed or already embedded in instalments. Record a small rounding difference transparently; refer a material mismatch to the provider. Preserve both versions if a correction is issued so another reader can identify which schedule produced the conclusion.
Read missed-payment terms without inventing a scenario
Record the contractual due date, grace period if one is supplied, late-interest basis, penalty charge, notification process and effect on later balances. RBZ says many agreements may specify higher interest for overdue principal or interest and advises borrowers to understand default or penalty rates. This does not establish the late charge of any named provider. Do not calculate a missed-payment balance without the contract formula, dates and provider method. If a payment is actually missed, request an updated statement showing how the balance changed. Keep hypothetical warnings separate from amounts already present in the ordinary schedule.
Do not turn CBZ or Stanbic pages into personal schedules
CBZ's Consumer Loan page does not publish a rate, term, payment dates, instalment or repayment schedule. Its purpose and document list cannot be converted into those values. Stanbic publishes that its Unsecured Personal Loan charges interest on the monthly outstanding balance, has a 3-to-36-month range and carries named percentage charges. It does not publish the applicant's principal, rate, currency or dates, so it also cannot generate a personal schedule. Request provider-issued documents for the actual proposal. Stanbic facts stay with its product and must not be assigned to CBZ or described as the structure of all Zimbabwe personal loans.