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Property Loans
NCBA Easy Build
Looking for a stress-free way to build? Our EasyBuild Loan connects you with expert construction professionals for a seamless, end-to-end home-building experience.
What You Get with NCBA Easy Build
✔ A dedicated team of experts – From design to construction, we’ve got you covered.
✔ Custom or pre-designed house plans – Choose from existing designs or create your own.
✔ 100% financing – Includes professional fees.
✔ Grace period on principal repayments during construction.
✔ Flexible repayment up to 25 years.
How to Get Started with NCBA Easy Build
Step 1: Choose Your House Design
Browse through the available house design plans (brochure below) and select the one that best fits your style and needs. Once you’ve made your choice, reach out to us to submit your application.
Step 2: Loan Review & Approval
We will assess your application and, if approved, provide financing based on the construction cost as advised by our expert construction consultants.
Step 3: Property Valuation & Legal Processing
Your chosen property will undergo valuation and conveyancing, after which it will be officially charged to NCBA Bank.
Step 4: Construction & Supervision
Our approved construction consultants will oversee the entire building process, ensuring quality and timely completion, while NCBA provides the financing.
Step 5: Move Into Your New Home
Once construction is complete, we will handover your fully built home—ready for you to move in and enjoy!
NCBA Easy Build Brochure Front
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NCBA Easy Build Brochure Back
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Equity Release Loan
Unlock the value of your existing land or home to finance education, medical needs, home renovations, property purchases, or other expenses.
Why Choose NCBA’s Equity Release Loan?
✔ Access up to 90% of your property’s value.
✔ No restrictions on fund usage – Use it for education, investments, or personal projects.
✔ Flexible repayment – Up to 25 years.
Plot Loans
Get a plot loan in Nairobi, Mombasa and other major urban and rural areas within major towns for up to 70% of the plot’s value. Enjoy the flexibility of comfortable payments with repayment periods ranging from 36 to 60 months.
Features
- Loan facility fee of 1% of the loan value for local clients, and 2% for diaspora clients.
- Minimum loan amount is KES 500,000.
Use our smart Mortgage Calculator to calculate the proposed monthly payments on your Equity Release Loan. (Mortgage Calculator Link)
Sounds Like a deal? Let’s contact you to start the process
NCBA Mortgage Transfer
Transfer your existing mortgage to NCBA and enjoy better interest rates, favorable terms, and the option to top-up your loan while still repaying your original mortgage.
Affordable Housing
In partnership with KMRC, we provide affordable home financing with up to 105% financing at fixed interest rates of 9.5% or 9.9%, for up to 25 years.
Why Choose NCBA’s Affordable Housing Mortgage?
• Low interest rates – Starting from 9.5%.
• Flexible repayment – Up to 25 years.
• Full financing – Up to 105%, covering legal and stamp duty fees.
• Inclusive eligibility – For incomes up to KES 1M, with joint applications allowed.
• Nationwide access – Available in major towns across Kenya.
Who Qualifies for an NCBA Affordable Housing Mortgage?
We believe that everyone deserves a place to call home. That’s why our affordable housing initiative is designed with you in mind.
- Income: Earn a gross income of KES 1M or less.
- Partners: Couples can combine their incomes as long as the total doesn’t exceed KES 1M.
Getting you over that cash crunch
Getting you over that cash crunch
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