Mortgage
NBK Home Loan
National Bank of Kenya
Last updated: April 16, 2026
Status unverified
★★★★★
0/5Based on 0 Reviews
Interest Rate
13% - 15% p.a.
Loan Amount
Ksh 1,500,000 - Ksh 50,000,000
Approval Time
14-21 business days
Processing Fee
KshNaN
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Government employee priority processing
- KMRC affordable housing option
- Lower income requirement (KES 60k)
- Up to 25 years repayment period
- KCB Group backing and stability
- Check-off for government employees
Cons
- Maximum loan capped at KES 50M
- 13-15% rates (mid-range)
- Slower processing for non-government employees
- 1.5% processing fee
Customer Reviews
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Product Details
Features
- Up to 90% financing for property purchase
- Loans up to KES 50 million
- Repayment period up to 25 years
- Home purchase and construction financing
- Government-affiliated bank (KCB Group subsidiary)
- Civil servants and government employees priority processing
- KMRC-backed affordable housing option
- Mortgage insurance included
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 60,000/month
Employment: Employed, Self-employed
Required Documents
- Copy of ID/Passport
- KRA PIN Certificate
- Last 6 months payslips
- Last 6 months bank statements
- Employment confirmation letter
- Audited accounts (if self-employed)
- Property valuation report
- Title deed
- Sale agreement
Repayment Options
Standing orderCheck-off (for government employees)M-PesaBranch payment
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