Cente Mortgage

This is a medium-to-long term housing mortgage product targeting government civil servants, economically active rural and urban low-to-moderate regular income earners engaged in self-employment in legitimate income generating activities for the purpose of financing housing needs through purchase, complete or incremental construction.

Main features: 
  • Application fee of UShs. 20,000 or UShs. 50,000
  • Attracts interest charged on a declining balance
  • Amount ranges from UShs. 20 million to UShs. 100 million
  • Repayment period of up to 10 years
  • Grace period of up to 6 months
  • Repayment plan aligned to cash flow
Basic Requirements:: 
  • Centenary Bank account
  • Eligible adult should not be more than 55 years at the time of application
  • Existence of verifiable source(s) of income
  • Borrower's contribution ranging from 20% to 30% of the total housing project cost
  • Salaried employees under probation are not eligible
  • Proof of property ownership – genuine land title
  • Valid identity documents
  • Most recent passport photos (2).
  • Bill of Quantities (BOQ) for the house in the case of construction
  • Approved architectural design for the house in case of construction
  • Copy of certificate of title for the property to be purchased or developed
  • Loan to value ratio of at least 80%.
  • Location sketch map for the borrowers' place of residence
  • Financial card
  • Processing within 48 hours
  • Attractive interest
  • No monitoring fee
  • Mortgage period of up to 10 years
  • Flexible repayment plan
  • No penalty for early repayment

Terms and conditions apply

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