KE
RW
TZ
GROUP
HELPING YOU ACQUIRE, CONSTRUCT AND FINANCE PROPERTY
Mortgage Loan
Get up to 90% of the value of the ready or off-plan residential units you are looking to buy within Kampala metropolitan and major urban and rural areas within major towns. Becoming a home-owner is now an achievable goal with NCBA Bank, with flexible terms and repayment periods of up to 25 years.
Key Features
- Minimum loan amount of UGX 30,000,000.
- Maximum loan amount based on repayment ability.
- Loan repayment period of up to up to 25 years for loans in UGX.
- Loan repayment period of up to 20 years for foreign currency for Ugandan nationals working in the country.
- Loan repayment period of up to 15 years for foreign currency-denominated loans customers in the Diaspora.
- Loan repayment period of up to 10 years for non-Uganda nationals based in Uganda.
- Free mortgage Protection Insurance cover of mortgages up to UGX 700M, without need for medical checkup, retrenchment cover and social perils cover.
- Loan-to-value ratio is based on the value or selling price of the property, or whichever is lower.
- Financing of up to 90% of properties in Kampala or within the city council area.
- 70% mortgage financing for office space.
- 80% mortgage financing for diaspora customers.
- Available in USD, EUR, GBP and UGX, based on borrower’s income.
- Interest is calculated on a reducing balance basis.
Land Purchase Loan
We support you in building for your future. Whether you need land to build your own home or earn rental income with plots for multi-dwelling residential and investment commercial use, NCBA has the right financing solution for you.
Key Features
- Minimum plot size of 0.072 of an acre (40ft x 80ft), subject to meeting the restriction on minimum area size in the specified area.
- Maximum plot size of 2.5 acres.
- Minimum loan amount of UGX 5,000,000.
- Financing is for plots within Kampala metropolitan and major urban and rural areas within major towns.
- Loan-to-value ratio is based on the value or selling price of the plot, or whichever is lower.
- Financing of up to 70% of plots in Kampala borrowed in local currency.
- Up to 60% financing for plots in Kampala borrowed in foreign currency.
- Up to 60% financing for plots outside Kampala borrowed in local currency.
- Up to 60% financing for multi-residential plots in Kampala in local currency.
- Up to 50% financing for multi-residential plots in Kampala and other areas in foreign currency.
- Loan repayment period of up to 36 months for loans amounting UGX 5,000,000 to 35,000,000 (or foreign currency equivalent).
- Loan repayment period of up to 48 months for loans amount of UGX 35,000,000 to 75,000,000 (or foreign currency equivalent).
- Loan repayment period of up to 60 months for loans amount of UGX 75,000,000 and above.
- Agricultural land or plot is not accepted as security.
- Interest is calculated on a reducing balance basis.
Construction Loan
Build your own home or become a landlord with up to 105% financing, depending on the project, and a repayment period of up to 25 years.
This facility is available for alternative-income projects such as rental income.
Key Features
- Minimum loan amount of UGX 75,000,000.
- Up to 80% financing to construct a single residential unit.
- Up to 70% financing to construct investment residential single, or multi-dwelling units.
- Loan is based on Labor Contract and Full Contract.
- Loan is available in LCY and FCY.
- Maximum loan tenure of up to 25 years for local currency loans.
- Loan tenure of up to 20 years for foreign currency, up to 15 years for diaspora customers and up to 10 years for foreign nationals based in Uganda.
Equity Release Loan
Get up to 90% of the value of the ready or off-plan residential units you are looking to buy within Kampala metropolitan and major urban and rural areas within major towns.
Becoming a home-owner is now an achievable goal with NCBA Bank, with flexible terms and repayment periods of up to 25 years.
Key Features
- Minimum loan amount of UGX 30,000,000.
- Maximum loan amount based on repayment ability.
- Loan repayment period of up to up to 25 years for loans in UGX.
- Loan repayment period of up to 20 years for foreign currency for Ugandan nationals working in the country.
- Loan repayment period of up to 15 years for foreign currency-denominated loans customers in the Diaspora.
- Loan repayment period of up to 10 years for non-Uganda nationals based in Uganda.
- Free mortgage Protection Insurance cover of mortgages up to UGX 700M, without need for medical checkup, retrenchment cover and social perils cover.
- Loan-to-value ratio is based on the value or selling price of the property, or whichever is lower.
- Financing of up to 90% of properties in Kampala or within the city council area.
- 70% mortgage financing for office space.
- 80% mortgage financing for diaspora customers.
- Available in USD, EUR, GBP and UGX, based on borrower’s income.
- Interest is calculated on a reducing balance basis.
Getting you over that cash crunch
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