INTERNET BANKING

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Personal Loans

Whether you are in need of a short-term loan or are looking to buy property, NCBA will provide you access to the money you need. Our loans are competitively priced with flexible payment options to fit your financial position. 

Buy and Build Property Financing

Enables you to purchase a piece of land and undertake construction on the same piece of land simultaneously using the same loan facility, we offer up to 100% financing on your project, with flexible terms and repayment periods.

Why NCBA Home Loans?

If you’re looking for a loan to build a house or to buy property, we make it easy for you with:

  • Competitive property loan interest rates.
  • Friendly loan terms.
  • Flexible repayment periods.
  • Access to expert advice from in house quantity surveyors.
  • A dedicated Relationship Manager assigned to you.
  • Dedicated Property centres.

Features

If you’re looking for a home loan, NCBA makes becoming a home-owner an achievable goal. Our loans offer:

  • Minimum construction loan amount of KES. 3,000,000.
  • Loans for construction have a maximum repayment period of up to 25 years.

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Overdrafts

If you’re looking for a flexible and instant line of credit that allows you to overdraw your account without a penalty, our personal overdraft service is perfect for you.

Features

  • Availability in Kenya Shillings or in major foreign currencies such as US Dollars, Euros and Pounds.
  • Minimum banking period of one year for overdraft eligibility.
  • Interest is only charged on the amount drawn.
  • Customer salary must be channeled through the bank, or overdraft must be secured if not.

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Personal Loans

Acquire assets, accomplish your goals and move further with secured and unsecured personal loans custom-made to suit your lifestyle.

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Mortgages

NCBA mortgages offer home loans in Kenya of up to 105% of the value of the property for persons seeking to acquire, construct, and finance property in major urban and rural areas within major towns. These properties may be for owner-occupation or investment purposes. Need a loan to buy a house for your family? We offer some of the most competitive Mortgage rates in Kenya to both our local and diaspora customers.

Why NCBA Home Loans?

If you’re looking for a home loan, NCBA makes your dream of becoming a home-owner an achievable goal. Our loans offer:
  • Competitive Mortgage interest rates
  • Friendly loan terms
  • Loan repayment periods of up to 25 years.

Features

If you’re looking for a home loan, NCBA makes becoming a home-owner an achievable goal. Our loans offer:
  • Mortgage loan facilities of the loan amount in local currency, 1.5 % of the loan amount in foreign currency.
  • NCBA mortgage loans are offered in Kenya Shillings, Dollars, Pounds, and Euros.
  • Up to 105% Financing of property value or market price whichever is lower.
  • Maximum term of up to 25 years.
  • Home loan Interest is calculated on a reducing balance basis.
Property finance partners

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Equity Release

Unlock the value of your property with financing against an existing mortgage or on a property as collateral. Get up to 90% of your property’s value on single and investment residential units, and up to 80% of property value for residential multiple dwellings and investment commercial property.

Features

  • Maximum tenor of up to 5 years for loans of KES 100,000 to KES 2 million on local currency loans.
  • Maximum loan tenure of 25 years for loans above KES 2 million.

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Construction Loans

Enables you to take up a facility and build your home to your design specifications, customization and feel either to construct a Single Residential Unit, or investment residential multiple dwellings.

Why NCBA Construction Loans?

Our project finance loans offer:

  • Competitive construction loan interest rates.
  • Friendly terms.
  • Flexible repayment periods of up to 25 years.
  • Access to expert advice –In house quantity surveyors.

Features

  • Minimum construction loan amount is KES. 3,000,000.
  • Facility fees of 1% of the loan amount for local currency facilities and 1.5% of the loan amount for foreign currency facilities.

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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 value. Pay comfortably with tenors ranging from 36 to 60 months.

Features

  • Loan facility fees of 1% of the loan value for local clients, and 2% for diaspora clients.
  • Minimum loan amount is KES. 500,000

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Sounds like a deal?