Nyumbani›Mikopo ya Nyumba

🇰🇪 KWA KIBURI WA KENYA

Mikopo ya Nyumba nchini Kenya

Linganisha home loan rates, terms, na eligibility kutoka top banks. Pata financing ya nyumba yako.

Imekaguliwa naTimu ya Utafiti ya PesaMarket

|Ilithibitishwa mwisho: Apr 16, 2026

Kuna 15 mikopo ya nyumba zinazopatikana nchini Kenya na viwango vya riba kuanzia 9.5% hadi 16% kwa mwaka. Kiasi cha mkopo kinaanzia KES 500,000 hadi KES 150,000,000. PesaMarket husasisha data hii mara kwa mara.

Tafuta

Panga Kwa

Benki/Mtoa Huduma

Inaonyesha 15 kati ya 15 bidhaa

⭐ First-time home buyers

Co-op KMRC Mortgage

Co-operative Bank of Kenya

Select Co-op KMRC Mortgage to compare

Kiwango cha Riba

17% chini ya wastani

9.9% - 9.9%

kwa mwaka

Kiasi cha Juu

KES 4000K

Muda wa Uidhinishaji

14-30 days

Ada ya Usindikaji

Lowest mortgage rate in Kenya at 9.9%
KMRC-backed affordable housing initiative

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ First-time homebuyers

Equity Home Loan

Equity Bank Kenya

Select Equity Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

11% - 13%

kwa mwaka

Kiasi cha Juu

KES 50000K

Muda wa Uidhinishaji

7-10 business days

Ada ya Usindikaji

Competitive rates from 11%
Up to 95% financing

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ First-time homebuyers

KCB Home Loan

Kenya Commercial Bank

Select KCB Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

11.5% - 13.5%

kwa mwaka

Kiasi cha Juu

KES 100000K

Muda wa Uidhinishaji

10-15 business days

Ada ya Usindikaji

1.5%

Up to 100% financing for salaried employees
Loans up to KES 100 million

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ First-time home buyers

Stanbic KMRC Home Loan

Stanbic Bank Kenya

Select Stanbic KMRC Home Loan to compare

Kiwango cha Riba

21% chini ya wastani

9.5% - 9.5%

kwa mwaka

Kiasi cha Juu

KES 4000K

Muda wa Uidhinishaji

14-30 days

Ada ya Usindikaji

Kenya's lowest mortgage rate at 9.5%
KMRC government-backed affordable housing

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ High-net-worth property buyers

Standard Chartered Home Loan

Standard Chartered Bank Kenya

Select Standard Chartered Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

12% - 13.5%

kwa mwaka

Kiasi cha Juu

KES 150000K

Muda wa Uidhinishaji

7-14 business days

Ada ya Usindikaji

Up to 85% financing for property purchase
Loans up to KES 150 million (highest in market)

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Mid-to-high income earners

ABSA Home Loan

ABSA Bank Kenya

Status unverified

Select ABSA Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

12% - 14%

kwa mwaka

Kiasi cha Juu

KES 100000K

Muda wa Uidhinishaji

10-21 business days

Ada ya Usindikaji

1.5%

Up to 90% financing for salaried employees
Loans up to KES 100 million

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ High-income professionals

I&M Home Loan

I&M Bank Kenya

Status unverified

Select I&M Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

12% - 14.5%

kwa mwaka

Kiasi cha Juu

KES 100000K

Muda wa Uidhinishaji

10-14 business days

Ada ya Usindikaji

Up to 90% financing for property purchase
Loans up to KES 100 million

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ First-time homebuyers seeking specialist advice

HF Group Home Loan

HF Group

Lender site unavailable

Select HF Group Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

12% - 14%

kwa mwaka

Kiasi cha Juu

KES 80000K

Muda wa Uidhinishaji

14-21 business days

Ada ya Usindikaji

Kenya's oldest housing finance specialist (since 1965)
Low minimum loan of KES 1 million

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ KMRC affordable housing buyers

NCBA Home Loan

NCBA Bank Kenya

Status unverified

Select NCBA Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

12.5% - 15%

kwa mwaka

Kiasi cha Juu

KES 80000K

Muda wa Uidhinishaji

14-21 business days

Ada ya Usindikaji

Up to 90% financing for property purchase
Loans up to KES 80 million

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Government and civil service employees

NBK Home Loan

National Bank of Kenya

Status unverified

Select NBK Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

13% - 15%

kwa mwaka

Kiasi cha Juu

KES 50000K

Muda wa Uidhinishaji

14-21 business days

Ada ya Usindikaji

1.5%

Up to 90% financing for property purchase
Loans up to KES 50 million

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Muslims seeking Sharia-compliant home finance

Gulf African Bank Home Finance (Sharia-Compliant)

Gulf African Bank

Lender site unavailable

Select Gulf African Bank Home Finance (Sharia-Compliant) to compare

Kiwango cha Riba

Kiwango cha wastani

13% - 15%

kwa mwaka

Kiasi cha Juu

KES 40000K

Muda wa Uidhinishaji

14-28 business days

Ada ya Usindikaji

1.5%

Fully Sharia-compliant home financing (no interest charged)
Ijara (lease-to-own) and Murabaha (cost-plus) structures

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Property purchase in major cities

DTB Home Loan

Diamond Trust Bank Kenya

Status unverified

Select DTB Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

13% - 15%

kwa mwaka

Kiasi cha Juu

KES 50000K

Muda wa Uidhinishaji

14-21 business days

Ada ya Usindikaji

1.5%

Up to 80% financing for property purchase
Loans up to KES 50 million

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Affluent professionals seeking private banking service

Prime Bank Home Loan

Prime Bank Kenya

Select Prime Bank Home Loan to compare

Kiwango cha Riba

Kiwango cha wastani

13% - 15%

kwa mwaka

Kiasi cha Juu

KES 50000K

Muda wa Uidhinishaji

10-21 business days

Ada ya Usindikaji

1.5%

Up to 80% financing for property purchase
Loans up to KES 50 million

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ First-time homebuyers on modest incomes

Family Bank Home Loan

Family Bank Kenya

Status unverified

Select Family Bank Home Loan to compare

Kiwango cha Riba

13% juu ya wastani

13.5% - 16%

kwa mwaka

Kiasi cha Juu

KES 30000K

Muda wa Uidhinishaji

14-28 business days

Ada ya Usindikaji

Low minimum loan of KES 1 million
Accessible to lower-income earners (KES 50k minimum)

Omba Sasa

Tazama Maelezo na Tathmini 0 →

⭐ Small business owners and entrepreneurs

Sidian Bank Home Loan

Sidian Bank Kenya

Status unverified

Select Sidian Bank Home Loan to compare

Kiwango cha Riba

17% juu ya wastani

14% - 16%

kwa mwaka

Kiasi cha Juu

KES 30000K

Muda wa Uidhinishaji

14-28 business days

Ada ya Usindikaji

Low minimum loan of KES 1 million
Repayment period up to 20 years

Omba Sasa

Tazama Maelezo na Tathmini 0 →

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Ushauri wa Mtaalamu

“A 1% difference in mortgage rate on a KES 10M loan over 20 years means paying KES 1.3M more in total interest. Always negotiate and compare at least 4 banks.”
P
PesaMarket Research Team
Financial Analysis

Mikopo ya Nyumba kwa Eneo

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Mikopo ya Nyumba kwa Kiasi

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