• What you get

    • Longer loan repayment periods
    • Flexible repayment plans accepting early repayments
    • Advanced support for you to manage your loan easily
    • Loan available in kwacha only
    • Quick loan approvals
    • Competitive interest rates    
  • What you need to know

    • The amount ranges from a minimum of K80,000 in Lusaka and K50,000 in other towns. The maximum amount is determined by your income.
    • The flexible repayment period ranges from 12 months up to 240 months (20 years) provided the loan end date is before retirement or expiry of contract.
    • It is available to credit-worthy salaried employees aged between 18 years and retirement (60 years for public service, 70 years for private sector, professionals and those who enjoy security of tenor).
    • You may be required to contribute up to 20% of the purchase price.
    • A single facility fee is charged upon approval of the loan. Refer to the current tariff guide available at all our branches and sales centres or call 5950 on any mobile network.

    Terms and conditions apply.

  • What to bring when you apply

    • Proof of identity (NRC or valid passport)
    • Latest three months' payslips
    • Completed application form
    • Land’s search and valuation authority
    • Certified copy of title deed
    • Two passport size photos
    • Six months' bank statements from previous bankers (for new customers)
    • Letter of offer from vendor (for outright purchases)
Looking for an affordable home loan with up to 90% finance?
Use our home loan calculator to find out what your monthly repayments could be.
This interest rate is for demonstration purposes only.
It is not a reflection of the actual rate you will receive on your loan.

Gross Monthly Income is computed by adding your Basic Salary to 70% of your other average monthly income earned over the last 12 months


Your monthly mortgage repayment will be:


You can afford a home loan of:


Facility Fee:


Valuation Fees (aprox):


Disclaimer: The instalment amount shown is based on the loan product and term selected by you and is provided for illustration purposes only. Absa does not guarantee approval of any loan product or warrants in any way that the illustration and calculation is accurate or complete. Absa will not be liable in any way or form for reliance on or use of this calculator. The monthly instalment shown includes interest, initiation fees, and service fees and credit life insurance (calculated as a portion of the principal debt at inception).

Need more help?

Call us on:
+260 (211) 366100 (available Monday to Friday from 08:00-16:45)
5950 (Toll free)

Chat to Abby on WhatsApp:
+260 (762) 969 977

Email us: