Business Banking
Business Banking
Business Banking
CBA Property Financing

Home Loan

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.


  • Flexible repayment terms
  • Joint mortgages allowed.
  • Free cover limits up to Kes.20M without need for medical checkup,
  • Competitive Interest rates
  • Access to all other CBA banking products


  • 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

Standard Requirements

  • Proof of income
  • Property details that is copy of title or lease and Sale agreement

Closing costs

  • 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.