INTERNET BANKING

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Loans

If you need short, medium, or long-term finance, it’s our commitment to help you achieve your goals. Get fast-tracked finance with convenient repayment terms, whether for your business or personal needs.

Mortgage Loans

Own your dream home with up to 90% of the value of the ready or off-plan property you want. With flexible payment terms and repayment periods of up to 25 years, becoming a home-owner is now an achievable goal.

Features

  • Minimum loan amount of TZ. 20,000,000 or USD equivalent.
  • Maximum loan amount is determined by the borrower’s income.
  • Flexible repayment period, determined by borrower’s age.
  • Interest rate is calculated on a reducing balance basis.
  • Buy-back through other banks is allowed.
  • Loan is insured against death or permanent disability.
  • Mortgage Protection and Fire Policy Insurance are required.
  • Available in TZS and USD.

I am interested

Equity Release

Unlock the value of your property with financing against an existing mortgage or on a property as collateral. Get up to 50% of your property’s value with the flexibility of up to 25 years repayment period.

Features

  • Maximum loan amount determined by borrower’s income.
  • Flexible repayment period, determined by borrower’s age.
  • Interest rate is calculated on a reducing balance basis.
  • Loan is insured against death or permanent disability.
  • Mortgage Protection and Fire Policy Insurance are required.
  • Available in TZS and USD.

I am interested

Construction Loan

Build your own home or become a landlord with up to 100% financing, depending on the project, and repayment periods tailored to you. It can be used as an investment loan for alternative-income projects such as building construct multiple residential dwellings.

Features

  • Maximum loan amount determined by borrower’s income.
  • Flexible repayment period, determined by borrower’s age.
  • Loan is insured against death or permanent disability.
  • Mortgage Protection and Fire Policy Insurance are required.
  • Interest rate is calculated on a reducing balance basis.
  • Available in TZS and USD.
  • Can be charged in foreign currency subject to your source of income.

I am interested

House-Finishing Loan

NCBA covers you if you need a loan to finish a house that is built up to 70% for single residential property, multi-dwelling residential property, and investment commercial property.

Features

  • Maximum loan amount determined by borrower’s income.
  • Flexible repayment period, determined by borrower’s age.
  • Loan is insured against death or permanent disability.
  • Mortgage Protection and Fire Policy Insurance are required.
  • Interest rate is calculated on a reducing balance basis.
  • Available in TZS and USD.
  • Can be charged in foreign currency subject to your source of income.
  • Legal and valuation fees to be met by the borrower.

I am interested

Unsecured Personal Loan

Specially designed financing tailored to provide employees with easy access to unsecured loans to meet their personal needs.

Features

  • Maximum loan amount of TZS 80,000,000, or the USD equivalent, for branch banking and
  • TZS 110,000,000 for Premier Banking customers.
  • Loan repayment period of 6 years (72 months) for civil servants and 7 years (84 months) for non-civil servants.
  • Interest rate is calculated on reducing balance basis.
  • Loan is insured against death or permanent disability.
  • Eligible for top-up after 6 months.
  • Buy-back through other banks is allowed.

I am interested

Consumer Secured Loan

Get financing for your projects with this facility that allows you to secure your loan through cash or property.

Features

  • Borrow up to 90% of the security amount.
  • Property security is through the provision of a title deed.
  • Loan repayment period of up to 6 years (72 months).
  • Interest rate is calculated on a reducing balance basis.
  • Available in both TZS and USD.
  • Maximum eligibility age of 65 years at loan maturity date.

Loans secured by property

  • Maximum loan amount of TZS 200,000,000.
  • Loan repayment period of 7 years (84 months).
  • Interest rate is calculated on a reducing balance basis.
  • Loan is insured against death or permanent disability.
  • Available in both TZS and USD.

I am interested

Personal Overdraft

A flexible and instant line of credit that allows you to overdraw your account without a penalty.

Features

  • Loan repayment period of up to 1 year (12 months).
  • Interest rate is charged on reducing balance.
  • Loan is available in both USD and TZS.
  • Maximum eligibility age of 60 years for salaried individuals and 65 years for non-salaried individuals at the loan maturity date.

I am interested

Car Loans

Own your dream car while paying for it in convenient amounts and flexible repayment periods of up to five years.

Features

  • Maximum loan amount of up to TZS 150,000,000.
  • Repayment period starting from 1 year to 5 years.
  • Registration will be done in joint names with the bank.
  • Down payment required of 10% for a brand new car and 30% for a second-hand car.
  • Interest rate is charged on reducing balance.
  • Available in TZS and USD.
  • Loan is insured in case of death of permanent disability.

I am interested

Sounds like a deal?

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