Home Ownership Kenya

The Rise of Real Estate Crowdfunding in Kenya: Will You Soon Buy a House for KSh 100?

The Rise of Real Estate Crowdfunding in Kenya signals a shift in how everyday Kenyans can access property investment. Traditionally, buying land or homes in Nairobi has required substantial capital, well beyond what most middle-income earners can afford. But innovative financing models — notably digital real estate crowdfunding Kenya platforms — are lowering entry barriers, enabling participation with...

Kenyan Real Estate Market 2025

Stand-Alone Construction Loan Kenya: What It Is, How It Works, and How to Apply

A stand-alone construction loan Kenya is a short-term facility that funds your build in stages and does not automatically convert to a long-term mortgage. You close twice (one loan for construction, a second for the permanent mortgage), so you carry more rate-change risk and duplicated fees—but you also get flexibility to shop for the best take-out mortgage after completion. Banks in Kenya typically...

Construction Mortgage Kenya: What It Is, How It Works, and How to Apply

If you’re building (not buying) a home in Kenya, a construction mortgage is the tool that turns your drawings and Bill of Quantities into a livable house—without tying up all your cash up front. Kenya’s mortgage market remains small but important: by December 2024 there were 30,016 mortgage accounts nationwide with an outstanding value of KSh 279.3 billion, an average interest rate of 14.9%, and an...

Building vs. Buying a Home in Kenya

Building vs. Buying a Home in Kenya: Which is the Better Option?

The decision to own a home is a significant milestone, but many prospective homeowners struggle with one key question—should they build or buy a home in Kenya? Each option presents unique benefits and challenges, from cost considerations and time investment to customization and quality control. Building vs. Buying a Home in Kenya is a debate that depends on factors such as budget, personal preferences,...

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