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Running a business is hard , getting finance shouldn’t be
Property Purchase
NCBA Bank property loans cover purchase of single residential or commercial units, purchase of multiple residential or commercial units , purchase of office blocks, Go Downs or light industrial property.
Features
- Flexible tenor periods of up to 180 months depending on the type and purpose of the property.
- Loan amount is determined by your need as well as serviceability of the loan.
- Repayments can be tailored to suit your business cash flow.
- Security is as per collaterals defined in the Group Credit Risk Policy
Equity Release
Unlock the value of your property with loans of up to 70% against an existing mortgage or property as collateral.
Features
- Get loans of KES 100,000 - KES 2 million with a maximum tenor of up to 5 years
- Loans above KES 2 millions have a tenor of up to 25 years
Construction Finance
Get financing for residential and commercial properties to sell, rent or buy-and build with flexible security requirements. Our financing facilities allow you to acquire fixed assets without drawing working capital from your business.
Features
- Loan amount is according to the serviceability of your business, demonstrated from existing and projected income streams.
- Customer to contribute a minimum of 30% of gross construction costs.
- For Buy-and-Build, the customer must contribute a minimum of 30% of the total costs of land plus construction.
- Loan has a maximum repayment payment period of up to 36 months with a maximum grace period of up to 24 months.
- Customer to contribute a minimum of 30% of gross construction costs.
- Can be converted to a mortgage after the construction period, with a door to door tenor of uo tp 120 months.
Plot Purchase
We’re here to help you purchase land for investment or construction, allowing you to grow your business’ assets without drawing from working capital. Our plot purchase loans come with a repayment period of up to 60 months.
Features
- Flexible repayment periods projected from existing and projected income streams.
- Flexible security requirements.
Construction Loan
Develop real assets i.e. property through the bank’s construction loans. Our construction finance facilities are available for the development of all types of real estate be it residential, commercial or retail property whether for sale or rental income.
Features
- Moratorium on principal during construction of up to 24 months.
- The construction loan can be converted to a mortgage after the construction period, with a maximum door to door tenor of 120 months.
- The customer is to contribute a minimum of 30% of the gross construction cost.
Getting you over that cash crunch
Getting you over that cash crunch
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