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.


  • 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.