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  • Amount of Loan
  • Eligibility
  • Insurance
  • Purpose
  • Rate of Interest
  • Repayment Capacity
  • Repayment Period
  • Securities
  • Type of Facility
  • Age of the Borrower

Maximum Ugx.800 million including the cost of Insurance premium of the House Subject to repaying capacity. Quantum of loan amount should not exceed:

  • -48-times of gross monthly income of the borrowers who are in service / employment.

Individual in single OR joint names.

The property under loan will be insured and Borrower's life will also be insured.

* Interest rate is subject to change from time to time. View latest Interest Rate.

** For further details, contact any of our Branches in Uganda

  • Construction of new dwelling units / flat / Purchase of Flat under construction.
  • Purchase of old houses, generally not more than 15 years old (based on structural soundness and residual life of the house).
  • Repayment of loan availed from other banks / institutions for the purpose of financing house / flat.
  • Purchase of plot to construct a house within a period of 2 years from the date of purchase.
  • Houses/Flats purchased or constructed from own sources (period not exceeding 2years)

At 2% below PLR with monthly rests. 2% additional interest (Penal Interest) in case of default in repayment schedule.

Total gross deduction including installment of Housing Loan should not exceed 70% of Gross Income.

  • Up to 15 Years (including moratorium period)
  • Moratorium period maximum 12 months (for new constructions only)
  • Age of the borrower plus repayment period should not be beyond retirement age in case of salaried persons.
  • In case of self employed / professionals / other individuals: Age of the borrower plus repayment period shouldn’t be more than –55- years.  
  • Mortgage of flat / house / plot
  • Personal guarantees of spouse / co-borrower, any individual of good repute and worth.  


Principal Borrower 21 years & Joint borrower may be of 18 years.

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