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✅ Jana Kalyan TCCS Ltd is an Authorized POSP/DSA for insurance & financial products. 🤝 We facilitate members in accessing insurance solutions through reputed companies. 🏦 Partnering with top insurers: HDFC Life, ICICI Lombard, and more. ⚠️ We act only as a DSA/POSP — not as the insurer. 📜 All insurance is underwritten by the respective insurance companies.
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Mortgage Loan

A Mortgage Loan is a secured loan provided by Janakalyan Thrift & Credit Co-operative against the mortgage of a member’s property. This loan helps members meet their large financial requirements such as business expansion, education expenses, medical needs, or debt consolidation. By pledging your residential, commercial, or industrial property as collateral, you can access a substantial loan amount at competitive interest rates.

Benefits of Availing Mortgage Loan from Janakalyan Thrift & Credit Co-operative:

  • High loan amount against property value

  • Attractive and competitive interest rates

  • Longer repayment tenure for easy EMIs

  • Quick processing and disbursal

  • Continued ownership and use of the property while repaying the loan

How the Loan Amount is Determined:

The loan amount is determined based on the current market value of the mortgaged property, your income, repayment capacity, and eligibility. Usually, a percentage of the property’s value (Loan-to-Value ratio) is considered while sanctioning the loan.

What is the Tenure of Mortgage Loan Provided by Janakalyan Thrift & Credit Co-operative:

The tenure of a mortgage loan generally ranges from 3 years to 15 years, allowing members to comfortably manage repayment through flexible EMIs.

What is the Maximum Loan Amount that I Can Take:

You can avail up to a significant percentage (generally 60–70%) of your property’s market value as a loan, depending on the property type, valuation, and your repayment capacity.