{"id":12980,"date":"2022-08-18T09:06:49","date_gmt":"2022-08-18T09:06:49","guid":{"rendered":"https:\/\/www.megaserverstore.com\/mcsmutualaid\/?page_id=12980"},"modified":"2024-07-31T10:35:59","modified_gmt":"2024-07-31T10:35:59","slug":"home-loan","status":"publish","type":"page","link":"https:\/\/www.megaserverstore.com\/mcsmutualaid\/home-loan\/","title":{"rendered":"Home Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12980\" class=\"elementor elementor-12980\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-154a9f1 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"154a9f1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-06841ea\" data-id=\"06841ea\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a75309 elementor-widget-mobile__width-initial elementor-widget elementor-widget-tf-heading-section\" data-id=\"1a75309\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tf-heading-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"tf-heading-section-1a75309\" class=\"tf-heading-section style2\" data-tabid=\"1a75309\"> \r\n\t\t\t\t\r\n\t\t\t<div class=\"heading-section\">\r\n\t\t\t\t<div class=\"before-title\">Home Loan<\/div>\r\n\t\t\t\t\r\n\t\t\t<\/div>                \r\n            <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4510538 elementor-widget elementor-widget-text-editor\" data-id=\"4510538\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\"><strong><em>A new project? A renovation? Our Home Loan is tailored to suit your dreams!<\/em><\/strong><\/p><p style=\"text-align: justify;\">The Mutual Aid Home Loan is an exclusive loan offered to accommodate financing of a wide range of housing project possibilities, particularly for members having started their career, such as<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f634008 elementor-align-start elementor-widget-mobile__width-initial elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f634008\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"consaltiicon- consalti-icon-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Construction of a first or second house<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"consaltiicon- consalti-icon-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Extension of existing house<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"consaltiicon- consalti-icon-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Purchase of residential property (flat\/house\/residential land) (Purchase of agricultural land is excluded)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"consaltiicon- consalti-icon-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">House renovation<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"consaltiicon- consalti-icon-angle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Loan refinancing as per conditions below:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fa811b elementor-align-start elementor-widget-mobile__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3fa811b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">To offset loan Mutual Aid loan only - Yes<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">To offset loan with other institution(s) - Yes<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">To offset Mutual Aid loan(s) and use remaining sum for renovation projects - Yes<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">To offset Mutual Aid loan(s) and use remaining sum for construction - Yes<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-69127a5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"69127a5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-0545722\" data-id=\"0545722\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-449e070 elementor-widget elementor-widget-tf-heading-section\" data-id=\"449e070\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tf-heading-section.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"tf-heading-section-449e070\" class=\"tf-heading-section style2\" data-tabid=\"449e070\"> \r\n\t\t\t\t\r\n\t\t\t<div class=\"heading-section\">\r\n\t\t\t\t<div class=\"before-title\">Know more about:<\/div>\r\n\t\t\t\t\r\n\t\t\t<\/div>                \r\n            <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d06ef1c elementor-widget-mobile__width-initial elementor-widget elementor-widget-tfaccordion\" data-id=\"d06ef1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"tfaccordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"tf-accordion\"> \r\n\t\t\t\t<div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Loan Deduction<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p><strong>Debt To Income Ratio<\/strong><\/p><p style=\"text-align: justify;\">The Debt to Income (DTI) ratio of a borrower, who is applying for the grant of credit facilities for the purchase\/construction of residential property, shall not exceed 50% of the borrower\u2019s monthly income.<\/p><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Loan Amount<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p style=\"text-align: justify;\">Applicant needs to bring quotation for full value of the home loan project. The maximum amount of loan to be disbursed, subject to eligibility, will be as follows:<\/p><ul style=\"text-align: justify;\"><li>For a single borrower, or husband and wife in case of a joint application, for the purchase\/construction of a first, second or third residential property, the maximum loan amount should not exceed Rs 15m for civil servants and Rs 10m for non-civil servants \u2013 a maximum Loan To Value (LTV) ratio of 100% of value of the residential property.<\/li><li>For the purchase\/construction of a residential property, in case of joint applications (other than husband and wife), the maximum loan amount should not exceed 70 per cent of the value of the property.<\/li><\/ul><p style=\"text-align: justify;\"><em>Notes:-<\/em><\/p><ul><li style=\"text-align: justify;\">The loan will not be disbursed until the borrower has shown that the difference between the cost of the project and the loan extended, is readily available in his\/her savings account.<\/li><li style=\"text-align: justify;\">The borrower must declare that this difference has not been borrowed from any financial institution, including those financial institutions not regulated by the Bank of Mauritius.<\/li><li style=\"text-align: justify;\">Application should be submitted by loanee in person.<\/li><\/ul><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Loan Amount<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p style=\"text-align: justify;\">Applicant needs to bring quotation for full value of the home loan project. The maximum amount of loan to be disbursed, subject to eligibility, will be as follows:<\/p><ul style=\"text-align: justify;\"><li>For a single borrower, or husband and wife in case of a joint application, for the purchase\/construction of a first, second or third residential property, the maximum loan amount should not exceed Rs 10m for civil servants and Premium Non-Government and Rs 7m for non-civil servants \u2013 a maximum Loan To Value (LTV) ratio of 100% of value of the residential property.<\/li><li>For the purchase\/construction of a residential property, in case of joint applications (other than husband and wife), the maximum loan amount should not exceed 70 per cent of the value of the property.<\/li><\/ul><p style=\"text-align: justify;\"><em>Notes:-<\/em><\/p><ul><li style=\"text-align: justify;\">The loan will not be disbursed until the borrower has shown that the difference between the cost of the project and the loan extended, is readily available in his\/her savings account.<\/li><li style=\"text-align: justify;\">The borrower must declare that this difference has not been borrowed from any financial institution, including those financial institutions not regulated by the Bank of Mauritius.<\/li><li style=\"text-align: justify;\">Application should be submitted by loanee in person.<\/li><\/ul><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Security<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p style=\"text-align: justify;\">The following securities are acceptable:<\/p><ul><li style=\"text-align: justify;\">First Rank Fixed Charge on property to be acquired (title deed to be in the name of the borrower) or on property on which construction is projected (with bare ownership at least belonging to the applicant or on which he\/she has a<em> \u2018droit de sur\u00e9l\u00e9vation\u2019<\/em>); or<\/li><li style=\"text-align: justify;\">A \u2018<em>Pari-Passu<\/em>\u2019 fixed charge provided that the total loan amount (i.e. Mutual Aid Home Loan plus other loans secured by the same property) does not exceed 70% of the value of the property offered as security; or<\/li><li style=\"text-align: justify;\">A land on which the applicant has acquired a \u2018droit de sur\u00e9l\u00e9vation\u2019 from his parents, brothers or sisters and witnessed by a duly registered notarial deed; or<\/li><li style=\"text-align: justify;\">In the case of leasehold, permission\/clearance from Government of Mauritius\/Rodrigues Regional Assembly.<\/li><\/ul><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Rate of Interest<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p style=\"text-align: justify;\"><strong>Interest Rate (subject to Mutual Aid Base Rate (MBR) \/ Repo rate change)<\/strong><\/p><p style=\"text-align: justify;\">Floating interest rate as per hereunder:<\/p><p style=\"text-align: justify;\">\n<table id=\"tablepress-2\" class=\"tablepress tablepress-id-2\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">SN<\/th><th class=\"column-2\">RANGE OF LOAN<\/th><th class=\"column-3\">INTEREST RATE (%) P.A<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">1<\/td><td class=\"column-2\">Up to Rs 1m<\/td><td class=\"column-3\">6.60<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">2<\/td><td class=\"column-2\">> Rs 1m up to Rs 2m<\/td><td class=\"column-3\">6.50<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">3<\/td><td class=\"column-2\">> Rs 2m up to Rs 3m<\/td><td class=\"column-3\">6.40<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">4<\/td><td class=\"column-2\">> Rs 3m up to Rs 7m<\/td><td class=\"column-3\">6.20<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">5<\/td><td class=\"column-2\">> Rs 7m up to Rs 10m<\/td><td class=\"column-3\">6.10<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">6<\/td><td class=\"column-2\">> Rs 10m up to Rs 15m<\/td><td class=\"column-3\">6.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2 from cache --><\/p><p style=\"text-align: justify;\">Any review of interest rate will be applied prospectively and will not affect loan already granted unless there is a change in Repo rate or Mutual Aid Base Rate.<\/p><p>The rate of interest is calculated daily based on the outstanding capital and is tagged to the Mutual Aid Base Rate (MBR). The interest rate will be automatically adjusted in case of any percentage change in the said MBR. Consequently, the loan maturity date may be increased or reduced to take into account fluctuations in interest rate during the loan period. Please note that the monthly loan instalment will remain the same.<\/p><p style=\"text-align: justify;\">In case where renovation is mentioned in the application form and it is subsequently found that the loan has not been used for renovation, the Association reserves the right to review the interest rate and align on that applicable for Personal Loan.<\/p><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Charges\/Fees<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p style=\"text-align: justify;\">\n<table id=\"tablepress-3\" class=\"tablepress tablepress-id-3\">\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-1\">\n\t<td class=\"column-1\">Processing Fee<\/td><td class=\"column-2\">(a) 1% of Loan Amount up to a maximum of Rs 25,000.<br \/>\n<br \/>\n(b) For refinancing of loans with other institution, a processing fee of 1% with a maximum of Rs 20,000 to be charged.<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Registration Cost<\/td><td class=\"column-2\">25% will be borne by the Association.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Cost of inspection (Valuation Cost)<\/td><td class=\"column-2\"><a href=\"https:\/\/www.mcsmutualaid.mu\/files\/Home_Loan_Info_Sheet.pdf\" rel=\"noopener\" target=\"_blank\">(see note 9.1)<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-3 from cache --><\/p><p style=\"text-align: justify;\">75% of valuation cost is paid at time of application based on value of property submitted. Other costs like inspection and registration to be deducted from disbursement amount. In case an applicant is offering two different properties as security for a loan and two valuations have to be done, the applicant should bear both valuation costs.<\/p><p style=\"text-align: justify;\">\n<table id=\"tablepress-4\" class=\"tablepress tablepress-id-4\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">SN<\/th><th class=\"column-2\">Loan Amount<\/th><th class=\"column-3\">Rs<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">1<\/td><td class=\"column-2\">Up to 1m<\/td><td class=\"column-3\">3,000<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">2<\/td><td class=\"column-2\">> Rs 1m and up to Rs 1.5m<\/td><td class=\"column-3\">3,800<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">3<\/td><td class=\"column-2\">> Rs 1.5m and up to Rs 2m<\/td><td class=\"column-3\">4,200<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">4<\/td><td class=\"column-2\">> Rs 2m and up to Rs 2.5m<\/td><td class=\"column-3\">4,500<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">5<\/td><td class=\"column-2\">> Rs 2.5m and up to Rs 3m<\/td><td class=\"column-3\">5,000<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">6<\/td><td class=\"column-2\">> Rs 3m and up to Rs 3.5m<\/td><td class=\"column-3\">5,500<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">7<\/td><td class=\"column-2\">> Rs 3.5m and up to Rs 4m<\/td><td class=\"column-3\">6,000<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">8<\/td><td class=\"column-2\">> Rs 4m and up to Rs 4.5m<\/td><td class=\"column-3\">6,500<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">9<\/td><td class=\"column-2\">> Rs 4.5m and up to Rs 5m<\/td><td class=\"column-3\">7,000<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">10<\/td><td class=\"column-2\">> Rs 5m and up to Rs 5.5m<\/td><td class=\"column-3\">7,500<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">11<\/td><td class=\"column-2\">> Rs 5.5m and up to Rs 6m<\/td><td class=\"column-3\">8,000<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\">12<\/td><td class=\"column-2\">> Rs 6m and up to Rs 6.5m<\/td><td class=\"column-3\">8,500<\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\">13<\/td><td class=\"column-2\">> Rs 6.5m and up to Rs 7m<\/td><td class=\"column-3\">9,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-4 from cache --><\/p><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">List of Land Surveyors<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p>\n<table id=\"tablepress-26\" class=\"tablepress tablepress-id-26\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">SN<\/th><th class=\"column-2\">Land Surveyor<\/th><th class=\"column-3\">Contact Number<\/th><th class=\"column-4\">Address<\/th><th class=\"column-5\">Email Address<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">1<\/td><td class=\"column-2\">Dharamraz Appadoo<\/td><td class=\"column-3\">466-8933<\/td><td class=\"column-4\">1st Floor Meldrum Tower, Meldrum Street, Beau-Bassin<\/td><td class=\"column-5\">appland@intnet.mu<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">2<\/td><td class=\"column-2\">Prime Pillar Valuations Services Ltd<\/td><td class=\"column-3\">467-5001<\/td><td class=\"column-4\">61 Avenue Des Goyaviers, Quatre Bornes<\/td><td class=\"column-5\">accounting@primepillar.net or admin@primepillar.net<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">3<\/td><td class=\"column-2\">Aestima Ltd<\/td><td class=\"column-3\">697-0909<\/td><td class=\"column-4\">28 Leclezio Street, Curepipe<\/td><td class=\"column-5\">bhavna@aestima.mu or i.belath@aestima.mu<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">4<\/td><td class=\"column-2\">Realty Valuers Ltd<\/td><td class=\"column-3\">214-2221<\/td><td class=\"column-4\">Suite 406 St James Court, St Denis Street, Port Louis<\/td><td class=\"column-5\">gavpatten@gmail.com<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-26 from cache --><\/p><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Documents Required<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p style=\"text-align: justify;\">The following documents are required:<\/p><ul><li style=\"text-align: justify;\">Construction of house, <a href=\"http:\/\/www.mcsmutualaid.mu\/files\/01Cons_of_house.pdf\" target=\"_blank\" rel=\"noopener\">please click here for more information.<\/a><\/li><li style=\"text-align: justify;\">Extension of existing house\/renovation, <a href=\"http:\/\/www.mcsmutualaid.mu\/files\/02Ext_of_house.pdf\" target=\"_blank\" rel=\"noopener\">please click here for more information.<\/a><\/li><li style=\"text-align: justify;\">Purchase of flat, <a href=\"http:\/\/www.mcsmutualaid.mu\/files\/03Pur_of_flat.pdf\" target=\"_blank\" rel=\"noopener\">please click here for more information<\/a>.<\/li><li style=\"text-align: justify;\">Purchase of house, <a href=\"http:\/\/www.mcsmutualaid.mu\/files\/04Pur_of_house.pdf\" target=\"_blank\" rel=\"noopener\">please click here for more information.<\/a><\/li><li style=\"text-align: justify;\">Purchase of residential land, <a href=\"http:\/\/www.mcsmutualaid.mu\/files\/05Pur_of_residential_land.pdf\" target=\"_blank\" rel=\"noopener\">please click here for more information.<\/a><\/li><\/ul><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Main Conditions<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p style=\"text-align: justify;\"><strong>1. Loan Coverage Fee (LCF)\n<\/strong>Two options are provided to the applicant:<\/p>\n\n<ul style=\"text-align: justify;\">\n \t<li>5% of loan amount as contribution to the Mutual Aid Solidarity Contribution (to cover death of applicant only) <strong>- Internal.<\/strong><\/li>\n \t<li>Furthermore, client may contract <strong>external <\/strong>insurance to cover fire and natural calamities. However, this is optional and does not apply for purchase of land only.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><strong>2. Contribution to the Retirement Savings Scheme (compulsory)<\/strong><strong>\n<\/strong>Applicants will be required to join the RSS and contribute as follows:<\/p>\n<p style=\"text-align: justify;\">\n<table id=\"tablepress-5\" class=\"tablepress tablepress-id-5\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">SN<\/th><th class=\"column-2\">LOAN AMOUNT(RS)<\/th><th class=\"column-3\">MONTHLY RSS CONTRIBUTION (RS)<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">1<\/td><td class=\"column-2\">Up to 3Mn<\/td><td class=\"column-3\">200<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">2<\/td><td class=\"column-2\">More than 3Mn and up to 4Mn<\/td><td class=\"column-3\">300<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">3<\/td><td class=\"column-2\">More than 4Mn<\/td><td class=\"column-3\">400<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-5 from cache --><\/p>\n\n<ul>\n \t<li style=\"text-align: justify;\">The accumulated RSS contribution will not be refunded until the home loan has been fully settled.<\/li>\n<\/ul><\/div><\/div><div class=\"tf-accordion-item inactive\"><div class=\"accordion-title icon_after inactive\"><span class=\"title-text\">Other Conditions<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><div class=\"acc-content\"><div class=\"acc-content-inner\"><ul><li style=\"list-style-type: none;\"><ul style=\"text-align: justify;\"><li>All loan agreements should be registered prior to disbursement.<\/li><li>Eligibility will be computed based on basic salary plus salary compensation, travelling allowances and permanent allowances at approved rate.<\/li><li>Other Terms and Conditions may apply subject to change in regulations\/policies.<\/li><li>The applicant is strongly advised not to sign any agreement (re-construction or purchase of the land\/property) before his\/her application is considered by MCSMAA and a loan offer is made to him\/her by MCSMAA.<\/li><li>The applicant for a loan of Rs 4 million and above should not have a past history of defaults\/arrears in loans (Mutual Aid and other institutions).<\/li><li>In case of renovation, there should be a net of at least Rs200, 000 after offset other loans with other financial institution (Mutual Aid Loan offset is\u00a0<u>not<\/u>\u00a0allowed).<\/li><li>The applicant should submit the relevant documents concerning the renovation and including photos of the house to be renovated along with the application.<\/li><li>Once the renovation has been completed, an inspection would be held by an officer of Mutual Aid to ascertain that the loan proceeds have been used for that purpose.<\/li><li>Shareholders are informed that it is mandatory for the Association to make necessary enquiry from the Mauritius Credit Information Bureau (MCIB) before approving, increasing or renewing any loan facilities and to provide the MCIB with relevant information regarding the present loan.<\/li><li>According to Section 52A of the Bank of Mauritius Act, it is mandatory that the \u2018Know Your Customer\u2019 (KYC) records of our members be submitted to the KYC Registry of the Bank of Mauritius.<\/li><li>When a loan renewal is granted to a member, the first EMI of the loan renewal will be deducted after two months. Consequently, the two instalments of the previous loan will be deducted from the capital balance of the new loan. For example, if the new loan is granted in March, the first EMI will be demandable in May. However, the EMI for March and April receivable for the previous loan will be deducted from the capital balance of the new loan.<\/li><li>A loan contract is valid when the proceeds of the loan have been credited to the account of the Applicant who is alive.<\/li><li>The Association reserves the right to reject a loan application after assessing the risk profile of the Applicant and Security provided. It can also keep in abeyance the loan application of an applicant who is in litigation with the Association until the final outcome of the case.<\/li><li>There should <strong>not be any overwriting or use of correction fluid on the application form<\/strong>. However, in case of overwriting there must be signature. All photocopies must be clear; all <strong>signatures<\/strong> affixed must <strong>be identical<\/strong> to that on the National Identity Card of bearer.<\/li><\/ul><\/li><\/ul><\/div><\/div><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Disbursement<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><p style=\"text-align: justify;\"><strong>Maximum of Project Value (subject to eligibility) as follows:<\/strong><\/p><ul style=\"text-align: justify;\"><li>For Purchase of Land\/House\/Flat subject to Valuation Certificate.<\/li><li>For Land Purchase with intention to construct a house: (*)<ul><li>50% for acquisition of land and remaining amount in two stages<\/li><li>20% at start of construction and<\/li><li>30% upon reaching beam stage.<\/li><\/ul><\/li><li>For House Construction (for loan amount disbursement) - in 3 stages: (*)<ul><li>25% on completion of document<\/li><li>40% of reaching beam level and<\/li><li>35% after casting of slab(s).<\/li><\/ul><\/li><li>For land\/house\/flat purchase, cheque will be drawn in the name of the seller or a Notary.<\/li><\/ul><p style=\"text-align: justify;\">*(Subject to inspection)<\/p><\/div><\/div><div class=\"tf-accordion-item \"><div class=\"accordion-title icon_after \"><span class=\"title-text\">Click to download forms<\/span> \t\t\r\n\t\t\t\t<span class=\"wrap-accordion-icon wrap-accordion-icon-right\">\t\t\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-close\"><i class=\"fas fa-arrow-right\"><\/i><\/span>\r\n\t\t\t\t<span class=\"accordion-icon accordion-icon-open\"><i class=\"fas fa-arrow-down\"><\/i><\/span>\r\n\t\t\t\t<\/span><\/div> <div class=\"accordion-content\"><ul><li><a href=\"http:\/\/www.mcsmutualaid.mu\/files\/Home_Loan_Application_Form.pdf\" target=\"_blank\" rel=\"noopener\">Home Loan Application Form<\/a><\/li><li><a href=\"http:\/\/www.mcsmutualaid.mu\/files\/Home_Loan_Info_Sheet.pdf\" target=\"_blank\" rel=\"noopener\">Home Loan Information Sheet<\/a><\/li><\/ul><\/div><\/div>\r\n            <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Loan A new project? A renovation? Our Home Loan is tailored to suit your dreams! The Mutual Aid Home Loan is an exclusive loan offered to accommodate financing of a wide range of housing project possibilities, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12980","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home Loan | MCS Mutual Aid<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.megaserverstore.com\/mcsmutualaid\/home-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Home Loan | MCS Mutual Aid\" \/>\n<meta property=\"og:description\" content=\"Home Loan A new project? 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The Mutual Aid Home Loan is an exclusive loan offered to accommodate financing of a wide range of housing project possibilities, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.megaserverstore.com\/mcsmutualaid\/home-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"MCS Mutual Aid\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/mcsmutualaidassociation\/\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-31T10:35:59+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/home-loan\\\/\",\"url\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/home-loan\\\/\",\"name\":\"Home Loan | MCS Mutual Aid\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/#website\"},\"datePublished\":\"2022-08-18T09:06:49+00:00\",\"dateModified\":\"2024-07-31T10:35:59+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/home-loan\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/home-loan\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/home-loan\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Home Loan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/#website\",\"url\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/\",\"name\":\"MCS Mutual Aid\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/#organization\"},\"alternateName\":\"MCS Mutal Aid\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/#organization\",\"name\":\"MCS MUTUAL AID\",\"url\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/wp-content\\\/uploads\\\/2022\\\/07\\\/logo-2.png\",\"contentUrl\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/wp-content\\\/uploads\\\/2022\\\/07\\\/logo-2.png\",\"width\":512,\"height\":512,\"caption\":\"MCS MUTUAL AID\"},\"image\":{\"@id\":\"https:\\\/\\\/www.megaserverstore.com\\\/mcsmutualaid\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/mcsmutualaidassociation\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Home Loan | MCS Mutual Aid","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.megaserverstore.com\/mcsmutualaid\/home-loan\/","og_locale":"en_US","og_type":"article","og_title":"Home Loan | MCS Mutual Aid","og_description":"Home Loan A new project? A renovation? Our Home Loan is tailored to suit your dreams! 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