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Employee Welfare and Cooperative Home Loans — How Payroll-Linked Mortgages Work, Who Qualifies and the Catch When You Change Jobs

Many employers, government agencies and savings cooperatives offer home loans at rates below the open market. How welfare MOUs with banks work, civil-servant and state-bank schemes, cooperative loans, payroll deduction, what happens when you resign or retire, and how to compare them with ordinary mortgages.