Mortgage

Stanbic KMRC Home Loan

Stanbic Bank Kenya

Last updated: January 29, 2025

★★★★★

0/5

Based on 0 reviews

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Interest Rate

9.5% - 9.5% p.a.

Loan Amount

Ksh 1,000,000 - Ksh 4,000,000

Approval Time

14-30 days

Processing Fee

Rating Breakdown

5★

(0)

4★

(0)

3★

(0)

2★

(0)

1★

(0)

Total: 0 reviews

Pros & Cons

Pros

Kenya's best rate at 9.5%
Up to 100% financing available
Long tenure up to 25 years
Low processing fee (1%)
Free property valuation
KMRC government backing
Mortgage protection included

Cons

Property value limit of KES 4M
Extensive documentation required
24 months employment history needed
Early repayment penalty (2% within 5 years)
Minimum income of KES 75,000

Customer Reviews

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Product Details

Features

Kenya's lowest mortgage rate at 9.5%
KMRC government-backed affordable housing
Long repayment period up to 25 years
Finance up to 100% of property value
New purchase and construction supported
Free property valuation
Mortgage protection insurance included
Flexible repayment options
Digital application and tracking
Dedicated mortgage advisor

Eligibility Requirements

Age: 21 - 65 years

Min Income: Ksh 75,000/month

Employment: Salaried, Self-employed

Required Documents

Copy of ID/Passport
KRA PIN Certificate
Last 6 months payslips (if employed)
Last 12 months bank statements
Employment contract/letter
Tax returns (last 2 years for self-employed)
Property valuation report
Title deed or sale agreement
Building approval plans (for construction)

Repayment Options

Standing orderCheck-off (for salaried)M-Pesa PaybillBranch paymentDirect debitStanbic Mobile app

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Application takes less than 10 minutes

Co-op KMRC Mortgage

Co-operative Bank of Kenya

Kenya Commercial Bank

★★★★★

4.3/5

11.5% - 13.5% p.a.

Why Trust Our Reviews?

All reviews are verified and moderated
Real experiences from Kenyan borrowers
Updated regularly with latest feedback

Pros & Cons

Pros

Kenya's best rate at 9.5%
Up to 100% financing available
Long tenure up to 25 years
Low processing fee (1%)
Free property valuation
KMRC government backing
Mortgage protection included

Cons

Property value limit of KES 4M
Extensive documentation required
24 months employment history needed
Early repayment penalty (2% within 5 years)
Minimum income of KES 75,000

Share Your Experience

Product Details

Features

Kenya's lowest mortgage rate at 9.5%
KMRC government-backed affordable housing
Long repayment period up to 25 years
Finance up to 100% of property value
New purchase and construction supported
Free property valuation
Mortgage protection insurance included
Flexible repayment options
Digital application and tracking
Dedicated mortgage advisor

Eligibility Requirements

Age: 21 - 65 years

Min Income: Ksh 75,000/month

Employment: Salaried, Self-employed

Required Documents

Copy of ID/Passport
KRA PIN Certificate
Last 6 months payslips (if employed)
Last 12 months bank statements
Employment contract/letter
Tax returns (last 2 years for self-employed)
Property valuation report
Title deed or sale agreement
Building approval plans (for construction)

Repayment Options

Standing orderCheck-off (for salaried)M-Pesa PaybillBranch paymentDirect debitStanbic Mobile app

Stanbic KMRC Home Loan

Rating Breakdown

Pros & Cons

Pros

Cons

Customer Reviews

No reviews yet

Share Your Experience

Product Details

Features

Eligibility Requirements

Required Documents

Repayment Options

Ready to Apply?

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Why Trust Our Reviews?

Stanbic KMRC Home Loan

Rating Breakdown

Pros & Cons

Pros

Cons

Customer Reviews

No reviews yet

Share Your Experience

Product Details

Features

Eligibility Requirements

Required Documents

Repayment Options

Ready to Apply?

You Might Also Like

Why Trust Our Reviews?