Mortgage
NCBA Home Loan
NCBA Bank Kenya
Last updated: April 16, 2026
Status unverified
★★★★★
0/5Based on 0 Reviews
Interest Rate
12.5% - 15% p.a.
Loan Amount
Ksh 2,000,000 - Ksh 80,000,000
Approval Time
14-21 business days
Processing Fee
KshNaN
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- KMRC affordable housing option at lower rates
- Joint mortgage applications accepted
- Step-up repayment for young professionals
- Large loan amounts up to KES 80M
- M-Pesa repayment option
- Mortgage top-up for existing clients
Cons
- 2% processing fee (higher than average)
- CRB clearance required
- 14-21 day approval timeline
- Maximum 90% financing
Customer Reviews
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Product Details
Features
- Up to 90% financing for property purchase
- Loans up to KES 80 million
- Repayment period up to 25 years
- Home purchase, construction, and renovation
- KMRC-backed affordable housing option available
- Mortgage top-up facility for existing customers
- Joint mortgage applications accepted
- Step-up repayment options for young professionals
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 80,000/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
- CRB clearance certificate
Repayment Options
Standing orderCheck-offM-PesaDirect debit
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