Mortgage
Sidian Bank Home Loan
Sidian Bank Kenya
Last updated: April 16, 2026
Status unverified
★★★★★
0/5Based on 0 Reviews
Interest Rate
14% - 16% p.a.
Loan Amount
Ksh 1,000,000 - Ksh 30,000,000
Approval Time
14-28 business days
Processing Fee
KshNaN
Rating Breakdown
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Total: 0 Reviews
Pros & Cons
Pros
- Entrepreneur-friendly requirements
- Flexible income documentation
- Low minimum loan (KES 1M)
- Personalized branch-level service
- Mortgage refinancing available
- M-Pesa repayment option
Cons
- Higher interest rates (14-16%)
- 2% processing fee
- Maximum 20 year tenure
- Smaller loan limit (KES 30M)
Customer Reviews
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Product Details
Features
- Low minimum loan of KES 1 million
- Repayment period up to 20 years
- Home purchase and construction financing
- SME and entrepreneur-friendly mortgage
- Flexible income documentation for business owners
- Personalized service at branch level
- Mortgage refinancing from other banks
- Joint mortgage applications accepted
Eligibility Requirements
Age: 21 - 60 years
Min Income: Ksh 60,000/month
Employment: Employed, Self-employed, Business owners
Required Documents
- Copy of ID/Passport
- KRA PIN Certificate
- Last 6 months payslips
- Last 6 months bank statements
- Employment confirmation letter
- Business registration (if self-employed)
- Property valuation report
- Title deed
- Sale agreement
Repayment Options
Standing orderCheck-offM-PesaBranch payment
Ready to Apply?
Get started with Sidian Bank Home Loan today. Fast approval and competitive rates.
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