• Benefits
  • Costs
  • Features
  • How to Apply
  • Related Subjects
… do you have a Project?
The size doesn't matter, if it is important to you, it shouldn't wait.
Start your project right now with the CNV-FP - Crédito Nova Vida - Funcionário Público (New Life Loan - Public Employee) that we have designed to help you to make your big dreams or just your small pleasures come true, and take advantage of the following benefits:
 Simple Process
You just have to be receiving your salary at Millennium bim to be able to get a Crédito Nova Vida - Funcionário Público.
 Flexibble Conditions
The CNV-FP Loan has a large flexibility of conditions, both in amounts and terms:
Amount: from MZN 1.500,00 up to MZN 1.000.000,00.
Maturity: from 6 months up to 72 months.
The CNV-FP loan gives you the best combination between the amount needed to materialize your dream, and the term which is more adequate to your cash flow.
There are 3 types of costs related with the Crédito Nova Vida - Funcionário Público:
A management fee is applicable for arranging or modifying the Loan.
The applicable interest is the set at loan startup, based upon a market related index (PLR – Prime Lending Rate) plus a spread definied according to the creditworthiness of each Customer.

Standard Price List
Interest rate: PRSF + Spread​
Early Repayment
A penalty fee applies for early repayments in full or partial.
For further details, please check the Bank's Price List available online and at any Millennium bim Branch.




Short and medium term personal loan, where the Bank provides an agreed amount of money, for which a monthly repayment plan is agreed, incluiding principal and interests.

Terms and Amounts for the Loan 

Loan Amount
Up to 12 months
MZM 1.500,00
MZM 1.000.000,00
Up to 72 months
MZM 10.000,00
MZM 1.000.000,00




Associated Insurances

For the CNV-FP, you must subscribe to a Life Insurance and a Payments Protection Paln. These insurances are both for protecting the Client's financial stability and the loan repayment (fully or partially), in case of:


  • ​Temporary absolute incapacity to work or involuntary unemployement;
  • Death or total and permament disability.

    Grant of the loans advertised here is dependent on its prior review and approval based on a creditworthiness assessment, and may require additional collaterals accepted by the Bank.


    In order to apply to a CNV-FP, please:

  • ​Visit a Millennium bim Branch or Contact your Relationship Manager and ask for a loan simulation;
  • Obtain more information calling us at:
  • +258 21 35 00 35
    +258 82 35 00 350
    +258 84 35 00 350
    +258 86 35 00 350
    This way you will get all the necessary information to find the Loan and terms more adequate to your needs.


    We also suggest the following usefull information: