<p>[vc_row][vc_column][vc_custom_heading text="The St. Vincent Building and Loan Association offers loans to meet the needs of all our members at very competitive rates.<br />
The categories of loans include: Consumer; Personal and Commercial Mortgage Loans." font_container="tag:p|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="<span class=``pe-7s-calculator``>COMMERCIAL AND MORTGAGE LOANS" font_container="tag:h2|font_size:34|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal" css=".vc_custom_1571884309952{background-color: #fffac1 !important;}"][vc_custom_heading text="We provide financing for Purchase of Land; Construction of Homes; Purchase of developed Property; Renovations; or simply to Consolidate Debts." font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_row_inner][vc_column_inner][vc_toggle title="MORE" size="lg" custom_font_container="tag:div|text_align:left" custom_google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" use_custom_heading="true" custom_el_class="tm-btn-wrapper button" el_class="button"]</p>
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<h2 class="font_2"><span style="font-size: 16px;">COMMERCIAL AND MORTGAGE LOANS</span></h2>
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<p class="font_8">We provide financing for purchase of land; construction of home; purchase of developed property; renovations; or simply to consolidate debts.</p>
<p class="font_8">General Requirements:</p>
<p class="font_8">The following are the requirements for Commercial and Mortgage Loans:</p>
<ol class="font_8">
<li>
<p class="font_8">Proof of Identification (Two (2) pieces of valid ID: Driver’s License; Passport and National ID)</p>
</li>
<li>
<p class="font_8">Proof of Address (Utility Bill, Driver’s License, Bank Statement)</p>
</li>
<li>
<p class="font_8">Proof of Income evidenced by Salary Slip and Job Letter (documents to be not more than 3 months old for new customers and not more than 1 year old for existing customers). If Self-employed, 3 years’ Financial Statements; Personal Income Tax Returns for the last 3 years. In the case of Rental Income – copies of Lease Arrangements.</p>
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<li>
<p class="font_8">Approved Plans of Building (Residential and Commercial Construction). Approval must not be more than 2 years old.</p>
</li>
<li>
<p class="font_8">Survey Plan of site</p>
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<li>
<p class="font_8">Copy of Title Deed</p>
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<li>
<p class="font_8">Sale Agreement/Offer Letter if applicable</p>
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<li>
<p class="font_8">Appraisal of Land and Structures by the Association’s Approved Appraiser</p>
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<li>
<p class="font_8">Estimated cost of construction (Residential and Commercial) if applicable</p>
</li>
<li>
<p class="font_8">Legal Fees and customary charges with source clearly identified</p>
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<li>
<p class="font_8">Builder’s Contract (Residential and Commercial Construction)</p>
</li>
<li>
<p class="font_8">Printout of existing debts/obligations and Invoices (Debt Consolidation)</p>
</li>
<li>
<p class="font_8">Statutory compliance documents (Tax Certificates/Tax Returns)</p>
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<li>
<p class="font_8">Business Plan and 3 prior years’ Financial Statements (Commercial Loans)</p>
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<li>
<p class="font_8">Credit Report or Credit Transactions History if available</p>
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<li>
<p class="font_8">Holding of Permanent Shares in the Association, a minimum of 25 (value $250)</p>
</li>
<li>
<p class="font_8">For Corporate accounts, the following are prerequisites:</p>
</li>
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<li>
<p class="font_8">Certificate of Incorporation</p>
</li>
<li>
<p class="font_8">Certificate of Registration</p>
</li>
<li>
<p class="font_8">Bye Laws or Memorandum and Articles of association</p>
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<li>
<p class="font_8">List of Officers and Directors</p>
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<li>
<p class="font_8">Certificate of Status; and</p>
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<li>
<p class="font_8">Completion of the Association’s mandates</p>
</li>
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<p>[/vc_toggle][/vc_column_inner][/vc_row_inner][vc_custom_heading text="<span class=``pe-7s-credit``>CONSUMER LOANS" font_container="tag:h2|font_size:34|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:500%20bold%20regular%3A500%3Anormal" css=".vc_custom_1571884230226{background-color: #fffac1 !important;}"][vc_custom_heading text="Our loans can be accessed for a variety of purpose which include:<br />
Medical, Education, Vehicle purchase, Debt Consolidation and Personal Expenses." font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_row_inner][vc_column_inner width="1/3"][/vc_column_inner][vc_column_inner width="1/3"][/vc_column_inner][vc_column_inner width="1/3"][/vc_column_inner][/vc_row_inner][thememove_button align="center" text="MORE"][/vc_column][/vc_row][vc_row][vc_column][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height="40"][thememove_button type="3" link="#contact-us" align="center" text="Make an Appointment"][/vc_column][/vc_row][vc_row css=".vc_custom_1571616768578{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column][vc_row_inner][vc_column_inner width="2/3"][vc_custom_heading text="FIXED DEPOSITS" font_container="tag:h2|font_size:34|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" css=".vc_custom_1571616646565{background-color: #fffac1 !important;}"][vc_custom_heading text="We offer Fixed Deposits at attractive interest rates." font_container="tag:p|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="</p>
<ul>
<li>Minimum deposit EC$2,000</li>
<li>12 Months   3% per annum</li>
<li>24 Months   3.25% per annum</li>
<li>36 Months   3.50% per annum</li>
</ul>
<p>" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][/vc_column_inner][vc_column_inner width="1/3"][vc_single_image image="2083" img_size="large" alignment="center"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row equal_height="yes" content_placement="top" css=".vc_custom_1571617084173{border-bottom-width: 2px !important;border-bottom-color: #e8e8e8 !important;border-bottom-style: solid !important;}"][vc_column width="2/3" css=".vc_custom_1571617353012{border-right-width: 2px !important;border-right-color: #e8e8e8 !important;border-right-style: solid !important;}"][vc_custom_heading text="REGULAR SAVINGS" font_container="tag:h2|font_size:34|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" css=".vc_custom_1571616657121{margin-top: 0px !important;background-color: #fffac1 !important;}"][vc_custom_heading text="</p>
<ul>
<li>Minimum opening balance of EC$20</li>
<li>Competitive interest rate of 2.75% per annum paid quarterly</li>
<li>No monthly charges</li>
<li>Free Deposits and Withdrawals</li>
</ul>
<p>" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_empty_space height="20"][vc_custom_heading text="SUPER SAVERS" font_container="tag:h2|font_size:34|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" css=".vc_custom_1571616667731{background-color: #fffac1 !important;}"][vc_custom_heading text="</p>
<ul>
<li>Monthly subscription Account of EC$20</li>
<li>Attractive interest rate of 3.25% per annum credited semi-annually</li>
<li>No fines applicable</li>
</ul>
<p>" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][/vc_column][vc_column width="1/3"][vc_custom_heading text="Requirements for Opening<br />
New Accounts" font_container="tag:h2|text_align:left|color:%230473aa" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal"][vc_custom_heading text="The following are the requirements for opening Regular Savings and Super Saver Accounts:" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="</p>
<ul>
<li>Two Pieces of ID (Passport, National ID or Driver's License)</li>
<li>Proof of Address (Utility bill)</li>
<li>Proof of Income (Pay slip or Job Letter)</li>
</ul>
<p>" font_container="tag:div|font_size:18|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" el_class="tm-list-2"][vc_empty_space height="20"][vc_custom_heading text="Download Application form" font_container="tag:h2|font_size:22|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal"][vc_raw_html]JTNDaDIlMjBzdHlsZSUzRCUyMmZvbnQtc2l6ZSUzQSUyMDIwcHglM0IlMjB0ZXh0LWFsaWduJTNBJTIwbGVmdCUzQiUyMiUzRSUzQ2ElMjBocmVmJTNEJTIyaHR0cCUzQSUyRiUyRmRldi5zdmJsYS5jb20lMkZ3cC1jb250ZW50JTJGdXBsb2FkcyUyRjIwMTklMkYxMCUyRnN2YmxhX2RlcG9zaXRfc2F2aW5nc19hcHBsaWNhdGlvbl9mb3JtLnBkZiUyMiUyMHRhcmdldCUzRCUyMl9ibGFuayUyMiUyMHJlbCUzRCUyMm5vb3BlbmVyJTIwbm9yZWZlcnJlciUyMiUzRSUzQ3NwYW4lMjBjbGFzcyUzRCUyMnZjX2ljb25fZWxlbWVudC1pY29uJTIwZmElMjBmYS1maWxlLXBkZi1vJTIyJTIwc3R5bGUlM0QlMjJjb2xvciUzQSUyM2I3MjQyNCUyMCUyMWltcG9ydGFudCUyMiUyMGFyaWEtaGlkZGVuJTNEJTIydHJ1ZSUyMiUzRSUzQyUyRnNwYW4lM0UlMjBEZXBvc2l0JTIwJTI2YW1wJTNCJTIwU2F2aW5ncyUyMEFjY291bnQlMjBGb3JtJTIwJUMyJUEwJTIwJUMyJUEwJTIwJTNDJTJGYSUzRSUzQyUyRmgyJTNF[/vc_raw_html][/vc_column][/vc_row][vc_row equal_height="yes" content_placement="bottom"][vc_column width="2/3"][vc_custom_heading text="PERMANENT SHARES" font_container="tag:h2|font_size:34|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal" css=".vc_custom_1571616677328{background-color: #fffac1 !important;}"][vc_custom_heading text="</p>
<ul>
<li>Full Membership 100 shares ($1,000) Loan requirement</li>
<li>Associate members under 100 shares ($1,000)</li>
<li>Members are entitled to Dividends</li>
<li>Vote at Annual General Meetings</li>
<li>Apply for Secondary School Scholarships</li>
<li>Access to all products</li>
</ul>
<p>" font_container="tag:div|font_size:20|text_align:left" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:400%20regular%3A400%3Anormal"][vc_custom_heading text="Open an Account Today!" font_container="tag:div|font_size:22|text_align:right|color:%23b72424" google_fonts="font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20italic%3A700%3Aitalic" css=".vc_custom_1571617293428{margin-top: 0px !important;padding-top: 0px !important;padding-bottom: 5px !important;}"][/vc_column][vc_column width="1/3"][thememove_button type="3" link="#contact-us" align="center" text="Make an Appointment"][/vc_column][/vc_row][vc_row][vc_column][vc_empty_space height="40"][/vc_column][/vc_row]</p>
