Incremental Housing Mortgage

This a short term loan facility for incremental home building and improvements. Our incremental housing loan product comes with the following features:


  • Provision of funding for the incremental home building needs including; house purchase, land purchase, incremental home construction, home improvements, solar installations etc.
  • Loan amount from UGX 200,000 to UGX 30M
  • Loan duration of up to 3 years
  • Flexible loan repayment period of either monthly or quarterly based on the customer’s income cycle.
  • Housing Support Services in form of general building information, home building best practices, utility connection process etc. will be provided


  • Flexible credit for incremental building needs
  • Flexible nature of securities acceptable to the bank.
  • Flexible repayment period based on customers’ income cycle.
  • Basic housing support services provided by the Bank.

Basic requirements include:

  • Valid Identification
  • CRB financial card
  • Proof of reliable source of income
  • Security in form of land title, sales agreements, machinery and chattels
  • In case of construction; a house plan for titled land and development fee receipts for kabaka’s land
  • For kibanja agreements, registration with BLB will be required
  • For construction/ home improvements; BOQs (not necessarily by a professional) will be required where necessary
  • Suitable guarantor who holds an account and is credit worth
  • In case of informal land leases, security must be owned by the borrower with a minimum tenor not less than the loan term

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