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Parkside

First National Bank of Namibia LTD
C/O Fidel Castro & Independence Ave
Box 195, Windhoek
Tel: 061 2992111
infonam@fnbnamibia.co.na

The Parkside branch also services RMB, Homeloans and WesBank clients.

RMB Namibia Tel: 061 2992340

RMB Corporate Banking
Tel: 061 2998446
infonam@fnbnamibia.com.na

WesBank
C/O Fidel Castro & Independence Ave
Box 195, Windhoek
Tel: 061 2992437
wesbank@fnbnamibia.com.na

Homeloans
C/O Fidel Castro & Independence Ave
Box 2150, Windhoek
Tel: 061 2992523 / 061 2992524
bonds@fnbnamibia.com.na

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Ausspannplatz

C/O Tal & Schiniz St, Ausspannplatz
Box 5065, Ausspannplatz
Tel: 061 2992607

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Private Clients

C/O /Fidel Castro & Independence Ave
First Floor
Box 285, Windhoek
Tel: 061 2992838

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Grove Mall

C/O Chasie & Frankie Fredericks St, Ground Floor
Shop 44, The Grove Mall shopping centre
Box 35387, Kleine Kuppe, Windhoek
Tel:061 2992222

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Southern Industrial Area

P/Bag 5177, Ausspannplatz
info@fnbnamibia.com.na

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John Meinert

C/O Independence Ave & John Meinert St
Box 23043, Windhoek
Tel: 061 2998149

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Prosperita

110 Nickel St, Prosperita
Box 285, Windhoek
el: 061 2992222

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Contact Centre
C/O Fidel Castro & Independence Ave
Box 285, Windhoek
el: 061 2992222

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Katutura

Pick n Pay Complex, Independence
Katutura
Box 62207, Katutura, Windhoek
Tel: 061 2992222
fnbkatutura@fnbnamibia.com.na

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Khomasdal

Shop 24, 1st Floor, Khomas Grove
Khomasdal
Box 72037
Tel: 061 2992222

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Northern Industrial

16 Nguni St, Northern Industrial Area
Box 23043
Tel: 061 269380

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Old Power Station Branch

C/O Noble Armstrong St, Old Power Station
Southern Industrial Area
Tel: 061 415130

Business Banking
C/O Noble Armstrong St, Old Power Station
Tel: 061 411200

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Private Wealth
C/O Fidel Castro & Independence Ave
Ground Floor
Box 285, Windhoek
Tel: 061 2998447

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Wernhill Agency

C/O Fidel Castro & Mandume Ndemufayo St
Shop 40, Wernhill Shopping Centre
Box 195, Windhoek
Tel: 061 272959

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Windhoek

207 Independence Ave, Windhoek
Box 285, Windhoek
Tel: 061 2992111

Bureau de Change
207 Independence Ave, Windhoek
Box 285, Windhoek
Tel: 061 2992039

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Arandis

First National Bank of Namibia LTD
Shop 8, Arandis Convenience Centre Acacia & Aloe Road
Tel: 064 512600
Fax: 064 512614

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Aranos

First National Bank of Namibia LTD
17 Main St, Box 91 Aranos
Tel: 063 272035 / 063 272093

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Aussenkehr

First National Bank of Namibia LTD
Portion 101, No: 147 Farm Aussenkehr, Box 418 Rosh Pinah
Tel: 063 297431

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Eenhana

First National Bank of Namibia LTD
BH Complex Main Rd, Box 13407 Eenhana
Tel: 065 263217
Fax: 065 263216

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Gobasis

First National Bank of Namibia LTD
44 Church St, Box 14 Gobabis
Tel: 062 562067
Tel: 062 562068
Fax: 062 562475

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Grootfontein

First National Bank of Namibia LTD
Hage Geingob Ave, Box 30 Grootfontein
Tel: 061 2992222

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Henties Bay

First National Bank of Namibia LTD
C/O Jakkalsputz & Duineweg, Box 447 Henties Bay
Tel: 064 502700
Fax: 064 502707

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Karasburg

First National Bank of Namibia LTD
79 Main St
Tel: 063 270012
Fax: 063 270079

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Karibib

First National Bank of Namibia LTD
Main St Hidipo Hamutenya, Box 24 Karibib
Tel: 064 550024

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Katima Mulilo

First National Bank of Namibia LTD
Hage Geingob Drive, Erf 329 Katima Mulilo
Tel: 066 253711 / 066 253715 / 066 253714 / 066 253713
Fax: 066 254700

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Keetmanshoop

First National Bank of Namibia LTD
76 Hampie Plichta Ave, Box 77 Keetmanshoop
Tel: 063 228000 / 063 223311
Fax: 063 228017

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Luderitz

First National Bank of Namibia LTD
12 Bismarck St, Box 10 Luderitz
Tel: 063 202077

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Mariental

First National Bank of Namibia LTD
Erf 280 Dr Sam Nujoma Ave, Box 131 Mariental
Tel: 063 345100

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Nkurenkuru

First National Bank of Namibia LTD
Nkurenkuru Shopping Mall, Main Rd
Tel: 066 264700 / 061 2992999
Fax: 066 264729

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Okahao

First National Bank of Namibia LTD
Okahao-Tsandi main Road, Box 42 Okahao
Tel: 065 252044

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Ohangwena

First National Bank of Namibia LTD
Yetu Complex, Shop no 3, Main Road Oshikango
Box 779 Ohangwena
Tel: 065 266500

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Okahandja

First National Bank of Namibia LTD
Shop 16, Okahandja Shopping Mall, Box 140
Tel: 062 501081
Fax: 062 502070

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Okakarara

First National Bank of Namibia LTD
89 John Tjikuua St, Box 212 Okakarara
Tel: 067 317706

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Okongo

First National Bank of Namibia LTD
Room no 16, Okongo Complex, Box 15216 Okongo
Tel: 065 288427

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Omuthiya

First National Bank of Namibia LTD
Omuthiya Shopping Centre, Shop no 10 Main Road Omuthiya
Box 19281 Omuthiya
Tel: 065 244117

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Ondangwa

First National Bank of Namibia LTD
37 Main Rd, First City Centre
Box 42, Ondangwa
Tel: 065 2822000

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Ongwendiva

First National Bank of Namibia LTD
Tel: 065 234400
Area Office

Makalani Real Estate Complex, Marula St Ongwediva
Box 3321, Ongwediva
Tel: 065 232700

Ongwediva
Shop 28-32, Oshana Mall, Main Road,
Tel: 065232719
Box 3321,
Tel: 065234400

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Opuwo

First National Bank of Namibia LTD
NDC Park 1, Main Road, P/Bag 3008 Opuwo
Tel: 065 273273

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Oranjemund

First National Bank of Namibia LTD
8th Avenue, Box 204 Oranjemund
Tel: 060 230800

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Oshakati

Oshakati Game
Game Shopping Complex, King Mandume Road
P/Bag 5510, Oshakati
Tel: 065 220472

First National Bank of Namibia LTD
Erf 272, Okatana, Main Road
P/Bag 5510, Oshakati
Tel: 065 220466 / 065 220467 / 065 220984 / 065 220468

FNB Insurance Brokers Namibia (PTY) LTD
Office No 8, Oshakati Complex
Tel: 065 225328 / 065 225329

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Oshikuku

First National Bank of Namibia LTD
TIA Monica Complex, Sam Nujoma Street
Tel: 065 54694

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Otavi

First National Bank of Namibia LTD
No 13, Unie St, Box 81 Otavi
Tel: 067 234050

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Otjiwarongo

First National Bank of Namibia LTD
7 George St, Box 64 Otjiwarongo
Tel: 067 308300

Otjiwarongo Midway Agency
Hage Geingob St, Spar Complex, Shop no 2
Tel: 067 300100
Box 64 Otjiwarongo

Central North Area Office
196 Hage Geingob St, Box 2047 Otjiwarongo
Tel: 067 308800
Fax: 067 308805

FNB Insurance Brokers Namibia (PTY) LTD
44 Hage Geingob St, Box 667 Otjiwarongo
Tel: 067 304434 / 067 304435
Fax: 067304438

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Outipa

First National Bank of Namibia LTD
Tsandi, Main Road, Box 35 Outapi
Tel: 065 250309

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Outjo

First National Bank of Namibia LTD
Erf 29, Shop 7, President Ave, Outjo Park, Box 16 Outjo
Tel: 067 313002

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Rehoboth

First National Bank of Namibia LTD
Erf 1, C/O Church & Bahnhoff, Block B, P/Bag 1008 Rehoboth
Tel: 062 522051

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Rosh Pinah

First National Bank of Namibia LTD
2 Lood St, Box 418 Rosh Pinah
Tel: 063 290000

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Rundu

First National Bank of Namibia LTD
Maria Mwengere Street
Box 149 Rundu
Tel: 066 255057

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Swakopmund

First National Bank of Namibia LTD
16 Tobias Hainyeko St, Box 1 Swakopmund
Tel: 064 4012111

Mondesa
1040 C/O Independence & Mandume Ndemufayo Ave
Mondesa, Box

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Usakos

First National Bank of Namibia LTD
Theo Ben Gurirab St, Box 55 Usakos
Tel: 064 530002

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Tsumelo

First National Bank of Namibia LTD
74A Presidents Ave, Box 251 Tsumeb
Tel: 067 221794

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Walvis Bay

First National Bank of Namibia LTD
138 Sam Nujoma Ave, Box1 Walvisbay
Tel: 064 2018111

Kuisebmond
Shop 4& 5 Nataniel Mauxuilili Service Centre
Kuiseb Mall, Kuisebmond, Box 1819 Kuisebmond
Tel: 064 280500
Fax: 064 280501

WesBank Finance
No 5, 11 Road, Walvisbay
Box 2941, Windhoek
Tel: 064 202505 / 064 203526
Fax: 064 203409

FNB Insurance Brokers Namibia (PTY) LTD
116 6 St, Box 1640 Walvis Bay
Tel: 064 213800
FNB Insurance Brokers complaints
fnbibcomplaints@fnbnamibia

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Klein Windhoek

No 9 Eaton Heights, Bassingthweighte St
Klein Windhoek
Box 285, Windhoek
Tel: 061 2992222

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Maerua Mall

1st Floor, Shop no 37
Maerua Mall Shopping Centre
Tel: 061 2997820

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News + insights

News Housing index

How it works


Future Use example

If the purchase price of your home is N$800 000 and you register a bond of N$1 000 000, the additional N$200 000 is your Future Use amount.

Payout amount Future Use amount
N$800 000 N$200 000

What it costs


  • Your monthly repayments will be calculated on the total loan amount and will be recalculated with each subsequent Future Use pay out.
  • A Future Use Draw Down fee will be applicable.
  • Your Home Loan may be repriced, and your interest rate may be affected.
  • Your Monthly Service fee will be adjusted in line with the current fees in terms of the Usury Act.
  • Refer to our Annual Pricing Guide for specific fees

FAQs


What amount do I qualify for?

Depending on an individual's application; there is no limit to the amount you may qualify for.

Can I apply for Future Use even though I have a normal Home Loan?

Yes, you can hence this offer.

Do I need a new valuation on my property?

FNB Home Loans will conduct a new valuation on the property only if the last valuation is more than six months old.

When can I apply for the Future Use amount?

When you require access to the Future Use amount you will have to apply for Future Use Withdrawal, with each application being subject to the bank's credit approval policy. The amount approved will be dependent on the value in your home coupled with your ability to afford the higher monthly repayments.

As a new customer, do I have to repay on the registered home loan amount?

No, your repayments will be calculated on the payout amount and not the registered bond amount.

Pre-paid finance


  • To apply for this option you need to have an FNB home loan of at least N$100 000
  • Unlike the Flexi Bond option, you don't need to have an FNB current account
  • Your home loan must be linked to the variable interest rate

Re-advance


  • You've had a home loan for at least 24 months
  • You've been meeting all your repayment responsibilities on a monthly basis

FlexiBond


  • You can only apply for the FlexiBond facility if your transactional account is with FNB
  • This option is not available for use over a vacant stand
  • You can't use this option while you are building a house, but you may however apply for a FlexiBond once the final inspection has been completed and the last payment to the builder has been finalised
  • For Close Corporations or Companies; these must all be property-holding entities only and one person must be nominated to operate the FlexiBond on behalf of the other members or directors, linked to a bank account in the personal name of the nominated member or director
  • The FlexiBond is only permitted on bonds with the variable interest rate facility

Future use


  • Individuals must have a joint income of N$30,000 or have an existing bond of N$ 1 million or more
  • Have a clear and favourable credit record
  • Must be 21 years or older
  • The term of the loan must expire before age 75
  • Have legal capacity to contract
  • Be able to meet affordability criteria
  • Be a Namibian Citizen

Accessing funds


Additional finance to help you

Require more finance or access to cash? When the need arises for renovations, further properties or a big expense, these options can offer the funds you require.

Prepaid finance


Convenience and cash when you need it!


With Pre-Paid Finance you can withdraw any additional money that you have paid into your home loan account.

With the pre-paid finance option you can:

  • Transfer any prepayments and extra payments you have made
  • Easy access to extra cash
  • You can manually withdraw any prepayments and extra payments
  • You can make as many withdrawals as required
  • The low interest rate makes it the ideal facility for financing other
  • The minimum amount that can be withdrawn out of your home loan
  • Statements are available at your branch
 
 

Re-Advance


Its all about convenience


Re-Advance is a convenient loan facility. All you need is a home loan you've had for at least two years and met all your monthly payments!

The Re-Advance facility provides an alternative if you do not qualify for a FlexiBond or Prepaid Finance. Please note that if you fail to keep up with your monthly home loan repayments, this option could be cancelled.

With the Re-Advance option you get a loan without registering for an additional bond; quick access to cash when you need it (such as for holidays or renovations) and when you withdraw funds, the monthly repayment is automatically adjusted.

FlexiBond


Get access to your surplus funds

The FNB FlexiBond is a financial management facility on your home loan that gives you easy access to your surplus funds - 24 hours a day!

With a Flexibond you can

  • Transfer any additional payments you have made out of you home loan to your transactional account
  • Transfer Capital you have already repaid - up to a predetermined limit out of you home loan to your transactional account
  • Access your funds via the ATM or Online Banking if you have an FNB bank account
  • Deposit extra funds into your home loan and save on interes
  • Make as many transfers as required daily/monthly
  • Withdraw funds as often as you like - depending on the available balance in your account
  • The low interest rate makes it the ideal facility for financing other costs
  • When you withdraw funds, the monthly repayment is automatically adjusted
  • The minimum amount that you can transfer out of your home loan is N$1 000
  • Statements are available through Online Banking or the Branch

Future Use


Create surplus cash, to use later

Future Use enables you to register a bond greater than the home loan amount you require, creating a surplus amount that you can access at a later stage

Future Use takes into consideration the hectic pace of life today and the fact that your needs change from one moment to the next. By planning ahead, you can use the available value in your home to your best advantage.

  • You only pay legal fees on the registered bond amount once and, as a result, save money in the future - but for this special offer we will cover your legal fees
  • You save time with a once off home loan registration allowing greater flexibility with future access to additional cash.
  • Monthly repayments are based on the funds that have been paid and not on the registered bond amount, making it more affordable.
  • You have long term security and accessibility to your funds.
  • If your property has increased in value, you may apply to use the additional finance on anything you choose, from home improvements to holidays abroad.
  • If your home has not yet increased in value, the Future Use amount can only be used for home improvements that will build additional value in your home.
  • You have to apply for access, with each application being subject to the bank's normal credit criteria.
  • If you are completing a new home loan application for Further Loan application, you will be given the opportunity to apply for the Future Use option.

Getting it made easy


Interest rate options

How to get it

Start Application Now

Other ways to apply

Contact us

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