CBA Property Financing


This is to cater for the sales price plus part of the closing cost i.e. Stamp duty and legal fees to facilitate home ownership.


  • Loan tenure - up to 25 years.
  • Facility fees- 1%
  • Debt to Income Ratio : Not exceeding 60% of Net Salary
  • Minimum loan amount : KShs 1 million
  • Maximum amount: KShs.20M
  • Free cover limit: loan amount of KShs 20 million and below
  • Interest rates: Pegged to CBR for local currency


  • Flexible repayment terms
  • When assessing ability to repay (joint, rental and alternative incomes will be considered). Joint income from spouse, siblings & children will be considered in assessing repayment ability
  • Mortgage Protection Insurance (MPI) cover limit up to Kes.20M without need for medical checkup, retrenchment cover and social perils cover included
  • Competitive Interest rates

Access to all other CBA banking products (e.g. Overdrafts, credit cards, current account, Mobile and internet banking.)

Standard Requirements

  • Proof of income
  • Proof that you can meet related costs e.g. Stamp duty, lawyers’ fee, valuation report etc.
  • Sale agreement

Rates & Fees

  • Competitive interest rate.
  • Facility Fee-1% of loan amount
  • Legal Fees
  • Valuation fees
  • Stamp duty (4% of cost of property or value on the open market)
  • Excise Duty
  • Insurance fees i.e. Domestic package, Mortgage protection cover and Collateral Replacement Indemnity Insurance cover.