CBA Property Financing

Construction Loan

Financing for individuals looking to construct income-generating housing.


  • Loan tenure – up to 25 years in local currency.
  • Construction period – up to 9 months
  • Facility fees- 1%
  • Debt to Income Ratio : Not exceeding 60% of Net Salary
  • Minimum loan amount : KShs 5 million
  • Free cover limit: loan amount of KShs 20 million and below
  • Interest rates: Pegged to CBR for local currency


  • Flexibility on disbursement.
  • Moratorium on principle- Maximum 9 months to completion.
  • Loan financing of up to 80% value of property with a repayment of up to 25 years.
  • Competitive interest rate.

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 the 20% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.
  • Bills of Quantity from qualified QS in banks’ panel

Rates & Fees

  • Competitive interest rate.
  • Facility Fee-1% of loan amount
  • Legal Fees
  • Valuation fees
  • Stamp duty on charge (0.1% of loan amount)
  • Excise Duty
  • Insurance premium- Financed by CBA