CBA Property Financing

Plot Purchase Loan

A plot purchase is the first step to building your dream home.


  • Loan tenure – up to 5 years.
  • Facility fees- 1%
  • Debt to Income Ratio : Not exceed 50% of Net Income
  • Minimum loan amount : KShs 500,000
  • maximum amount: Based on ability to pay
  • 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
  • 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 up to 40% financing and other related costs e.g. Stamp duty, lawyers fee, valuation report etc.

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)
  • Stamp duty on charge (0.1% of loan amount)