How to Use the CCT-GH Loan Calculator (Loan Chart)
Are you looking for the CCT Fund PRETAG loan chart? There’s no need—here’s how to calculate your loan repayments easily:
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Option 1: USSD Code
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Dial *711*122# on your phone.
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Select “2” for Loans.
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Choose “3 for Loan Calculator”.
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Enter:
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Affordability (based on your income).
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Monthly Contributions (see Table 1 below).
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Loan Duration (6–48 months).
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Select “1 for CCT Fund” to get your repayment breakdown.
Option 2: Online Portal
Visit the CCT Fund Portal to use the digital loan calculator.
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Loan
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2024 Loan Policy Highlights
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Minimum Contribution: Increased from GHS 40 to GHS 80/month.
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Loan Limits:
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Minimum Loan: GHS 8,000 (for GHS 80/month contributions).
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Maximum Loan: GHS 30,000 (subject to affordability).
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Interest Rate: 11% p.a. (up from 10.2%).
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Eligibility:
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Must contribute for 6+ months before applying.
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Loan “top-ups” allowed only after repaying 60% of the existing loan.
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Withdrawals:
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No withdrawals if you have an active loan.
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Early exit penalty: 50% surcharge + processing fee.
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Table 1: Monthly Contributions vs. Loan Limits (2024)
| Monthly Contribution (GHS) | Loan Amount (GHS) |
|---|---|
| 80 | 8,000 |
| 90 | 9,000 |
| 100 | 10,000 |
| 110 | 11,000 |
| 120 | 15,000 |
| 150–200 | 20,000 |
| 250 | 25,000 |
| 300+ | 30,000 |
part 2
How to Use This Chart
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Find your loan amount in the left column.
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Match your repayment period (6–48 months) to estimate monthly installments.
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Example: A 10,000 GHS loan over 24 months = 508.33 GHS/month.
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