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KCB Affordable Mortgage Loan

The Property Center is located along Aga Khan Walk, Nairobi. Visit us and let us help you on the journey to buying or building your ideal residential or commercial property.

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You can also join us during our Property Tours every quarter to view and sample ideal properties in Nairobi and environs as well as Mombasa. Property tours booking fee is only Kes 500 (includes transport and refreshments)

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a. How to get a KCB Affordable Housing Mortgage Loan Salaried Persons

Please bring original and copies of

  • Pay slips for the last 3 months
  • Letter from employer confirming employment status
  • Bank statements for the latest 6 months
  • National ID or valid Passport
  • Your KRA PIN certificate
  • Three passport size photographs
  • Sale agreement duly signed by both parties and witnessed by a lawyer.
  • Title to property being purchased/charged (minimum lease term must be at least 35 years)

Minimum requirements

  • Open a mortgage account with an opening balance of Kshs.10,000
  • A third of your basic salary is to be left to cater for your living expenses

b. How to get a KCB Affordable Housing Mortgage Loan for self-employed Persons

Please bring original and copies of

  • Bank statements for the last 12 months
  • Your KRA PIN Certificate
  • Certificate of Registration & Trading License
  • Partnership Deeds
  • Audited Books of Accounts
  • Income tax return
  • Tenancy agreements for rented properties/rental schedules

c. Requirements for Construction

Please bring original and copies of

  • Approved building plans
  • Approved structural drawings.
  • Priced bills of quantities
  • Profiles for the architect, contractor, and quantity surveyor
  • NEMA approval
  • NCA Certificate

 d. Costs

  • Interest Rate Fixed at 9%
  • Negotiations Fees 2%

Closing Costs

To be covered within the loan request amount where applicable. Closing costs shall include:

  • Legal Fees (All legal related fees for the transaction including Govt. fees and duties like stamp duty)
  • Valuation Costs
  • Insurances
  • Negotiation fees

 e. Eligibility Criteria

  • Total monthly payments including the Mortgage Loan and all other consumer financing does not exceed two-thirds of the Basic income.
  • All repayments by the Mortgagor, as of the Requested Drawdown Date, have not been, and are not, in arrears of more than thirty (30) days during the preceding six (6) months.
  • The property must be a residential unit for owner occupation or occupation by immediate relatives of the owner.

f. Property Insurance

100% of appraised value or reinstatement cost.

Tenure of property

Minimum unexpired lease term of 40 years

Credit Life Insurance

Required for outstanding balance of home loan


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