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Purchase your dream home by borrowing money from the bank. This loan is for the purchases of existing residential properties.

Traditional Home Loan

Purchase your dream home by borrowing money from the bank. This loan is for the purchases of existing residential properties.

Why FNB?


This innovative messaging system allows you to keep in touch with your account balances and transactions, helping you manage your money and prevent fraud on your account.

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Online Banking

FNB Online Banking offers you Internet-based, electronic banking that's easy to use, quick, secure and available 24/7.

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Cellphone Banking

Cellphone Banking enables you to conveniently perform a number of banking transactions via your cellphone.

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eMail Statements

Have your statements sent to you via email, saving you paperwork and contributing to a greener environment.

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More about: Traditional Home Loan

Why do I need this?

If you want to buy a property but you do not have sufficient funds at your disposal

What can l do with it?

  • The traditional home loan can be combined with a range of flexible repayment options
  • You can choose between a Fixed and a Variable Interest Rate Option

Is the home loan rate fixed?

We offer different home loan packages, namely, Turquoise Lifestyle, Silver Lifestyle, Gold Lifestyle and Platinum Lifestyle.
These come with varying rates. You could also qualify for a special home loan rate. In this case, we will look at your monthly income and account status, as well as the number of FNB Namibia products that you currently use.

But even if you don't qualify for these special rates, you also have the choice of two interest rate options.

Do I need Life Insurance?

Life cover is strongly recommended. In the event that you are unable to continue payments of the home loan, due to unforeseen circumstances such as disability and death the bond will then be covered by the life insurance policy.

Do I need fire cover and for what purpose?

Fire cover is compulsory and underwritten by Outsurance, the Insurance Division of FNB Namibia. You also have the option to arrange your own Insurance and cede policy to the Bank. The annual fire cover premium of Outsurance can be debited against the home loan account.

When do I start paying?

This depends on the date of registration of transfer of the property into your name. If the bond is registered within the first 15 days of any month, the first payment will be due and payable at the end of that month. If the bond is registered after the 15th day of any month, the first payment will then be due at the end of the following month.

Do I qualify?

  • To apply for this home loan, your property must be a Namibian resident
  • You must have fixed employment for at least 2 years
  • You must have a bank account that is conducted satisfactorily
  • You must have a clean ITC record
  • Your monthly repayments cannot be more than 30% of the gross monthly income (individual or combined)

I want it!

Give us a call on (061) 299 2523 or (061) 299 7050/2522

What do I need to do?

Give us a call on (061) 299 2523 or (061) 299 7050/2522.

Required Documentation:

  • Valid identification
  • Marriage certificate (if applicable)
  • Antenuptial Contract (ANC) if you are married out of community
  • Income and expenditure and assets and liabilities statement
  • Payslips to serve as proof of your income (and that of spouse if applicable)
  • If you are self-employed, you will need to bring current financial statements or an auditor's letter confirming your income

Contact Details

Give us a call on (061) 299 2523 or (061) 299 7050/2522