Mortgages

 

Benefits

Standard Requirements

Home Loan

With competitive rates and flexible repayments, you can realise your dream of owning your own home .

  1. Flexible repayment terms when assessing ability to repay (joint, rental and alternative incomes will be considered). Joint income from spouse, siblings & children will be considered in assessing repayment ability
  2. Flexible terms for construction loans
  3. Mortgage Protection Insurance (MPI) cover limit up to Kes.18M without need for medical checkup, retrenchment cover and social perils cover included
  1. Proof of income
  2. Proof that you can meet the 10% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Mortgage Plus

Take out a top-up loan against your mortgage for quick financing when unforeseen emergencies strike.

  1. Equity release for school fees, medical emergencies or renovations.
  2. Flexible repayment terms- can be spread out in line with remaining term of loan.
  3. Competitive interest rate
  1. Hold a mortgage facility with KCB
  2. Proof of income

Commercial Loan

Financing for individuals or companies looking to construct income-generating housing.

  1. Flexibility on disbursement.
  2. Morateorium on principle- Maximum 6 months on completion.
  3. Loan financing of up to 80% value of property with a repayment of up to 20 years.
  1. Proof of income
  2. Proof that you can meet the 20% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Estate Development Loan

Suitable for prospective estate developers that need a financing partner that offers competitive rates and flexible repayment terms.

  1. Loan financing of up to 85% value of property with a repayment period of up to 24 months.
  2. Advice/tailor make products to meet your individual needs
  3. Link to KCB Website to showcase your property for sale
  1. Proof of income
  2. Proof that you can meet the 20% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Special Scheme Loans

Discounted loans for organisations whose employees or members wish to purchase or construct a home.

  1. Loan financing of up to 100% value of property with a repayment of up to 25 years.
  2. Fixed and very competitive interest from as low as 4%.
  3. Flexible terms in appraisal i.e. up to 75% of net pay considered.
  1. Proof of income
  2. Letter from employer confirming employment status

Investment Group Loans

Loans for investment groups that seek to invest in property, either through purchasing or construction.

  1. Competitive interest rate
  2. Loan financing of up to 80% value of property with a repayment of up to 10 years.
  1. Proof of contributions month on month.
  2. Proof of ability to meet the 20% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

Diaspora Home Loan

This dedicated mortgage arm gives Diaspora customers the best residential and commercial property investment opportunities back home.

  1. 90% for straight purchase with a repayment period of up to 20 years
  2. 80% for commercial/income generation with a repayment of up to 20 years.
  3. 70% for plot purchase with a repayment of up to 5 years
  1. Proof of income
  2. Proof that you can meet the partial payment and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

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