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Loan & Savings Amortization Calculator

Calculate your loan repayment schedule and savings growth according to JHP SACCO rules and regulations.

Important SACCO Rules & Conditions
  • Minimum shares: KES 50,000
  • Minimum 6 months consistent savings
  • Borrow up to 6x shares and 3x savings
  • Loan repayment + interest ≤ 2/3 of income
  • Minimum monthly savings: KES 2,000
  • Risk premium applies for first 12 months
  • All loans must be secured by guarantors
  • Late payment penalty: 1% per month

Enter Loan Details

Risk premium savings help you reach break-even within 12 months as per SACCO rules. Not applicable for loans below savings or JHP Housing members.