Joint Shares Investment Holdings (JS) proudly offers an industry-leading Residential Housing Loan tailored to empower individuals, families, and developers globally to build, purchase, or renovate their ideal living spaces. Whether you're buying your first home, upgrading, or investing in residential properties, our loan program is designed to be inclusive, accessible, and straightforward.
We understand that every homeowner’s journey is unique. That’s why we provide flexible loan terms from 1 to 15 years with an exceptionally low interest rate of 3% per annum. Best of all, there’s no collateral requirement and no credit score checks—removing barriers that often prevent access to essential funding.
Operating from Luxemburg with a reach to over 130 countries and clients spanning all seven continents, JS is committed to making quality housing finance available wherever you are, backed by five years of certified lending expertise and a customer-first approach.
Why Choose Joint Shares Investment Holdings for Your Residential Housing Loan?
At JS, your privacy, security, and satisfaction are our top priorities. Unlike traditional banks, our residential housing loans come with zero credit score checks and no collateral demands. This approach means quicker access to funds, less bureaucracy, and more financial freedom for you.
Our customer-centric philosophy ensures 24/7 support with dedicated loan specialists to guide you from application to final repayment. We combine advanced technology with personal service to deliver a seamless experience whether you’re an individual homebuyer or a developer.
Additionally, our Luxembourg-based operations mean your data and transactions are protected by some of the world's strongest privacy laws — guaranteeing confidentiality and peace of mind throughout your loan journey.
With over 7 continents served and more than 130 countries covered, our reach and expertise are unmatched. Our competitive 3% interest rate ensures your investment remains affordable while maximizing your homeownership dreams.
