• 876-929-5142 | 876-618-0094 | 876-618-0100 | 888-225-5472 (local calls only)
  • info@fhccu.com

Whatever Your Goals, Start Here, Start Now.

Home Equity Loan

The equity in your home can help you achieve your dreams. Flexible terms and affordable interest rates are available for any legitimate purpose EXCEPT for Home Acquisition, Home Construction and Debt Consolidation using the equity in your home.

Features

  • No Ordinary Shares Requirement
  • Loan amount based on affordability
  • Maximum term is 180 months (15 years)
  • Permanent Share - 20,000.00
  • Compulsory Share saving of 5% of monthly payment for loan below $3,000,000 & 10% for loan above $3,000,000
  • Membership tenure: Immediate
  • Employement tenure: permanently employed or at least 6 months or 1 year renewable contract/Self Employed with registered business and audited financials
  • Maximum Term 300 Months/Up to Retirement to repay
  • Affordability driven by DSR
For information on how to access this product, please click here
 
*Conditions apply

NHT’s Housing Micro Finance Loan Programme

The National Housing Trust (NHT) expanded its reach to contributors with gross earnings of $42,000 weekly through this programme. The programme’s thrust is to improve low-income earners’ access to financial inclusive products. This will address the challenge of providing greater funding to facilitate incremental building to low income earners and will empower applicants with the provision of cost effective housing finance.

Features

  • Maximum Loan granted is $850,000 ( at any one instance) subject to affordability
  • Total loan that can be accessed by each borrower over the life of the programme is $1.5m
  • Loan Term is 5 years

Loan Purposes

  • Land Purchase
  • Titling
  • Infrastructure (upgrade or new)
  • Utilities Installation
  • Construction Preliminaries
  • Completion of different stages
  • New Construction
  • Down Payments
  • Solar Products

About Us

A LEGACY OF TRANSFORMATION

On August 1, 2012, Churches Co-operative Credit Union and GSB Co-operative Credit Union merged to form the new entity First Heritage Co-operative Credit Union Limited (FHC). This decision culminated the process of discussions that began in October 2010 when the idea of the amalgamation of the two Credit Unions was born.

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Get in touch

8-10 Eureka Road, Kingston 5

888-225-5472 (Local Callers only)

876-929-5142

876-618-0094

876-618-0100

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