Construction Loan

Is a construction loan facility for customer seeking construction of a dwelling, or additions and improvements to an existing structure.


  • Flexible financing upto 85% for salaried
  • Flexible financing upto 80% for self-employed
  • Flexible construction repayment term of upto 25 years
  • Competitive Interest rates



  • Low contribution hence less financial stress in the onset.
  • Comprehensive Home owner’s Life, fire & house insurance cover.
  • Flexibility to manage the cost associated with building your own home.
  • National bank accelerated payments which enables customer to pay off loan sooner than stipulated in construction loan agreement.
  • Access to dedicated mortgage specialists.


Eligibility criteria
Individual salaried

  • Copy of ID/Passport
  • Copy of KRA Pin
  • 3 months payslip
  • Letter from Employer
  • 6 months Bank statements (non National Bank customers)
  • Copy of Title
  • Sale Agreement
  • Land rates & rents receipts
  • Approved Architectural drawings
  • Approved Structural drawings
  • Priced Bills of Quantities with timed Drawdown Schedule
  • Profiles/Certificates of practice i.e. Architect, Structural Engineer, Quantity Surveyor etc.