Section 18

	National Credit Regulator
	FORM 39 STATISTICAL RETURN
1	Name of Registered Entity
2	NCR Registration Number
3	Start of reporting period		dd/mm/yyyy
4	End of reporting period		dd/mm/yyyy
Section 18: Pricing
Pricing:  To be completed once a year as at December by all credit providers
18.1 Mortgage Agreements
Initiation Fee
Indicate the initiation fee that is charged in case of agreements for the following amounts
		R 50 000	R 100 000	R 150 000	R 350 000	R 700 000	R 1 000 000
Lowest fee
Highest Fee
Average
Monthly service fee (Covert annual fees into monthly by dividing by 12)
		R 50 000	R 100 000	R150 000	R350 000	R700 000	R 1 000 000
Lowest fee
Highest Fee
Average
Interest rate:
		R 50 000	R 100 000	R150 000	R350 000	R700 000	R 1 000 000
Lowest rate
Highest rate
Average
18.2 Credit Facilities
Initiation Fee
Indicate the initiation fee that is charged in case of facilities with the following limits
		R1 500	R3 000	R5 000	R10 000	R15 000	R20 000
Lowest fee
Highest Fee
Average
Monthly service fee
Of facilities in the following credit limit categories report lowest, highest and AVE fees
		R1 500	R3 000	R5 000	R10 000	R15 000	R20 000
Lowest fee
Highest Fee
Average
Interest rate:
Of facilities in the following credit limit categories report lowest, highest and AVE rates
		R1 500	R3 000	R5 000	R10 000	R15 000	R20 000
Lowest rate
Highest rate
Average
18.3 Unsecured Credit Transactions
Initiation Fee
Indicate the initiation fee that will be charged in case of agreements for the following amounts
		R 3 000	R 5 000	R8 000	R10 000	R15 000	R20 000
Lowest fee
Highest Fee
Average
Monthly service fee
		R 3 000	R 5 000	R8 000	R10 000	R15 000	R20 000
Lowest fee
Highest Fee
Average
Interest rate:
		R 3 000	R 5 000	R8 000	R10 000	R15 000	R20 000
Lowest rate
Highest rate
Average
							11
18.4 Short Term Credit Transactions
Initiation Fee
Indicate the initiation fee that will be charged in case of agreements for the following amounts
Lowest fee		R500	R1 000	R2 000	R4 000	R6 000	R8 000
Highest Fee
Average
Monthly service fee  - for transactions in following size bands
Lowest fee		R500	R1 000	R2 000	R4 000	R6 000	R8 000
Highest Fee
Average
Interest rate:- for transactions in following size bands
Lowest rate		R500	R1 000	R2 000	R4 000	R6 000	R8 000
Highest rate
Average
18.5 Other credit Transactions
18.5.1 Pricing for agreements up to R40 000
Initiation Fee
Indicate the initiation fee that will be charged in case of agreements with the following amounts
		R1 500	R3 000	R5 000	R10 000	R20 000	R40 000
Lowest fee
Highest Fee
Average
Monthly service fee
		R1 500	R3 000	R5 000	R10 000	R20 000	R40 000
Lowest fee
Highest Fee
Average
Interest rate:
		R1 500	R3 000	R5 000	R10 000	R20 000	R40 000
Lowest rate
Highest rate
Average
18.5.2 Pricing for agreements with a value above R40 000
Initiation Fee
Indicate the initiation fee that will be charged in case of agreements for the following amounts
		R60 000	R100 000	R150 000	R200 000	R400 000	R800 000
Lowest fee
Highest Fee
Average
Monthly service fee
		R60 000	R100 000	R150 000	R200 000	R400 000	R800 000
Lowest fee
Highest Fee
Average
Interest rate:
		R60 000	R100 000	R150 000	R200 000	R400 000	R800 000
Lowest rate
Highest rate
Average
							12
18.6 Developmental Transactions
18.6.1 Pricing for small business loans
Initiation Fee
Indicate the initiation fee that will be charged in case of agreements for the following amounts
		R1 500	R3 000	R5 000	R10 000	R20 000	R40 000
Lowest fee
Highest Fee
Average
Monthly service fee for following loan amounts
		R1 500	R3 000	R5 000	R10 000	R20 000	R40 000
Lowest fee
Highest Fee
Average
Interest rate:
		R1 500	R3 000	R5 000	R10 000	R20 000	R40 000
Lowest rate
Highest rate
Average
18.6.2 Pricing for the development of low income housing (Unsecured)
Initiation Fee
Indicate the initiation fee that will be charged in case of agreements for the following amounts
		R5 000	R10 000	R15 000	R20 000	R40 000	R60 000
Lowest fee
Highest Fee
Average
Monthly service fee
		R5 000	R10 000	R15 000	R20 000	R40 000	R60 000
Lowest fee
Highest Fee
Average
Interest rate
		R5 000	R10 000	R15 000	R20 000	R40 000	R60 000
Lowest rate
Highest rate
Average
18.6.3 Pricing for other developmental loans
Initiation Fee
Indicate the initiation fee that will be charged in case of agreements for the following amounts
		R1 500	R3 000	R5 000	R10 000	R20 000	R40 000
Lowest fee
Highest Fee
Average
Monthly service fee
		R1 500	R3 000	R5 000	R10 000	R20 000	R40 000
Lowest fee
Highest Fee
Average
Interest rate
		R1 500	R3 000	R5 000	R10 000	R20 000	R40 000
Lowest rate
Highest rate
Average
18.7 Pawn Transactions
Initiation Fee
Indicate the initiation fee that will be charged in case of agreements for the following amounts
		R500	R1 000	R2 000	R4 000	R6 000	R8 000
Average
Initiation fee
Monthly service fee  - for transactions of the following values
		R500	R1 000	R2 000	R4 000	R6 000	R8 000
Average
Interest rate for transactions of the following values
		R500	R1 000	R2 000	R4 000	R6 000	R8 000
Average