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Running a business is hard , getting finance shouldn’t be
Property Purchase
Own your dream home, purchase commercial property, or invest in residential rental property with flexible financing options.
Features & Benefits
- Up to 90% financing for owner-occupied residential properties.
- Up to 80% financing for commercial properties and residential rental investments.
- Loan amount determined by your repayment capacity.
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Flexible repayment periods:
- Up to 25 years for owner-occupied residential properties.
- Up to 15 years for commercial and residential rental properties.
Security
- First legal charge over the financed property.
Interest Rate
- As per the Bank’s prevailing lending rates.
Terms and conditions, credit assessment, and eligibility criteria apply.
Equity Release Facility
Unlock the value of your existing property and access funds for personal or business needs.
Suitable For
- Business expansion
- Working capital
- Investments
- Property acquisition
- Capital expenditure
Features & Benefits
- Financing based on property value and repayment ability.
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Flexible repayment periods:
- Up to 3 years for working capital requirements.
- Up to 10 years for capital expenditure needs.
- Monthly repayments comprising principal and interest.
Security
- Eligible residential or commercial property
- First legal charge over the property offered as security
Interest Rate
- As per the Bank’s prevailing lending rates
Approval is subject to repayment capacity, collateral value, and the Bank’s applicable terms and conditions.
Construction Finance
Build your dream home or finance residential and commercial property developments for investment, rental income, or sale.
Features & Benefits
- Up to 80% financing for owner-occupied residential homes.
- Up to 70% financing for residential and commercial investment projects.
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Moratorium periods available:
- Up to 9 months for owner-occupied homes.
- Up to 24 months for commercial and investment projects.
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Flexible repayment periods:
- Up to 25 years for owner-occupied residential properties.
- Up to 15 years for commercial and investment properties.
- Progressive disbursement of funds based on verified construction progress.
Security
- First legal charge over the financed property
Interest Rate
- As per the Bank’s prevailing lending rates
Terms and conditions, customer contribution requirements, security, and credit assessment apply.
Plot Loan
Purchase a parcel of land today and take the first step toward building your future home or investment property.
Features & Benefits
- Finance available for the purchase of residential or commercial plots
- Flexible repayment terms tailored to your financial needs
- Competitive financing options to help you acquire land with ease
Security
- First legal charge over the financed property
Interest Rate
- As per the Bank’s prevailing lending rates
Terms and conditions, security requirements, and credit assessment apply.
Why Choose Our Property Finance Solutions?
- Competitive financing options
- Flexible repayment periods
- Fast turnaround time
- Expert support throughout your property journey
- Solutions tailored to homeowners, investors, and businesses
18 SME Owners Graduate from the NCBA-Strathmore Business School Enterprise Development Program
NCBA, in collaboration with Strathmore University Business School (SBS), has announced the graduation of 18 entrepreneurs from the second cohort of the NCBA-SBS Enterprise Development Programme.
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