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Buy a house earlier than you can imagine with our unique Step-up Home Loan

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Buy a house earlier than you can imagine with our unique Step-up Home Loan

The I&M Step – Up Home Loan is designed to meet a wide range of needs such as purchase of property, undeveloped plot, construction, renovations etc. We offer 2 options for the Home Loan: EMI Payments and the unique Step – Up option.

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Step-up Option

With the unique Step – Up option available with this facility, you can choose to pay lesser monthly repayments in the initial years and higher amounts in later years, thereby matching your repayments to your future growing income.

One can borrow as little as Ksh 2million and as much Ksh 100 million payable for up to 20 years.

All loans come with:

1

Optional pre-approved Visa international credit card with a waiver on joining fees;

2

Free fire insurance cover for the first year with GA Insurance Co Ltd;

3

Pricing concessions for increased margin of financing.

This facility is also available in US Dollars.

Additional Details

Special benefits and features

See below

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  • A unique step-up option, whereby you can choose to pay lower monthly repayments in the initial years and higher amounts in later years, thereby matching your repayments to your future growing income

  • Competitive pricing on Home Care insurance

  • Pre-approved Visa international credit card with a waiver on joining fees

  • Free fire insurance cover for the first year with GA Insurance Co Ltd

  • Up to 20 years repayment period for Kenya Shillings mortgage and 10 years for US Dollar denominated mortgage

Wide range of mortgage facilities

See below

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  • Purchase of new or existing residential property

  • Purchase of undeveloped plot or land

  • Construction of residential property on a previously purchased land

  • Financing the purchase of a unit being built by a reputed developer

  • Take over of existing house loans from other financing institutions

  • Top-up of existing Home Loan with l&M Bank

  • Renovation, repairs or extension of existing property

  • Equity release - raising funds from the value of your existing house Residential plot purchase

  • Commercial mortgage - purchase of commercial property, plot or construction Mortgage in Foreign currency - US Dollar denominated

Want to apply for a home loan?

For details on requirements and application process, kindly visit your branch or contact your relationship manager

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