The share of commercial banks in Kenya expecting non-performing loans (NPLs) in the real estate sector to rise over the coming quarter nearly doubled in the second quarter of 2026—climbing to 27% in June from 14% in March. The sharp shift, detailed in the Central Bank of Kenya’s (CBK) latest Credit Officer Survey Report, highlights growing caution among credit risk teams despite broader improvements...
For decades, Kenyan homebuyers seeking commercial bank mortgages faced unpredictable interest rate adjustments. Banks frequently cited shifts in the Central Bank Rate (CBR) or internal cost-of-funds metrics to justify sudden spikes in monthly mortgage repayments. The Central Bank of Kenya (CBK) completed a major policy shift under its Risk-Based Credit Pricing Model (RBCPM), mandating that all...
For the past couple of years, the Kenyan real estate market felt like an unpredictable rollercoaster. Sky-high interest rates forced many prospective buyers to sit on the sidelines, watching and waiting. But 2026 has brought a much-needed structural shift. Following a record monetary easing cycle where the Central Bank of Kenya (CBK) aggressively trimmed the Central Bank Rate (CBR) down to 8.75%,...
Kenya’s real estate sector is undergoing a massive structural transformation, driven by an unprecedented influx of overseas capital. Data from the 2025 Household Remittance Survey—jointly conducted by the Central Bank of Kenya (CBK) and the Kenya National Bureau of Statistics (KNBS)—reveals that diaspora inflows have firmly transitioned from a family safety net into a formidable engine for wealth...
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