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New M-Hasibu Pro App — download on Play Store & App Store
Products Instant Rahisi Loan up to KES 1M — apply via portal
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USSD Bank on the go with *657#
New M-Hasibu Pro App — download on Play Store & App Store
Products Instant Rahisi Loan up to KES 1M — apply via portal
Open Membership now open to all Kenyans and the Diaspora
USSD Bank on the go with *657#

Home / Products / Long-Term Loans / Ujenzi Loan

Build

Ujenzi Loan

Ready to build big? We’ll fund it.

The Ujenzi Loan is a construction financing facility for building a house from the ground up, or completing a stalled project, on your own land.

Up toKES 50M
Repay over15 years
Maximum amountUp to KES 50M
Repayment periodUp to 15 years
FinancingUp to 100% of approved BOQ

Rates by project type

Project typeInterest rateRepayment periodProcessing fee
Residential1.25% per month15 years2.5%
Commercial1.5% per month15 years2.5%

Key features

  • Loan entitlement: up to 6 times your deposits plus share capital.
  • Loan insurance: 0.5%.

Ujenzi requirements

  • Approved building plan.
  • Approved Bill of Quantities (BOQ).
  • County government approvals and permits.
  • Work plan detailing activities and timelines, from a registered contractor.
  • NCA registration certificate.
  • NEMA approvals.
  • Occupational certificate (for complete units).
  • Title deed.
  • Property insurance.
  • Membership: you must be in good standing for at least 2 years, with consistent savings and good repayment history.
Bank anywhere. No paperwork.Join online, then manage everything from your phone or computer.
Need help choosing?Call 020 514 1900 or email info@mhasibusacco.com