Buy Plot and Construct

Loan advanced to enable one buy land in their ideal location and construct the home or property of their choice with all the internal requirements they desire.


  • Competitive interest rate
  • Loan financing of up to 80% value of property with a repayment of up to 10 years.

Standard Requirements

  • Necessary approved regulatory requirements as building plans, structural drawings, bills of quantities, National Environment Management Authority, Profiles for architects, Quantity surveyor and Project Manager
  • Proof of contributions month on month.
  • Proof of ability to meet the 20% financing and other related costs e.g. stamp duty, lawyers fee, valuation report etc.

Rates & Fees

  • Competitive Interest rates from 15.5%
  • KCB charges: Appraisal Fee - 1% of loan amount and Ledger Fee payable per month.
  • Regulatory charges: 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) and Insurance premium- Financed by KCB

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