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Home Loan

Walk in a buyer, walk out an owner

A home loan will offer you the finance you require to purchase an existing residential property.


What this is

Get the funds to buy property

  • You need this if you want to buy a property but you do not have sufficient funds at your disposal.
  • 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.

You will only start paying for the loan from 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.

Home Loan packages

We offer different Home Loan packages

These come with varying rates. You could also qualify for a special home loan rate. But even if you don't qualify for these special rates, you also have the choice of two interest rate options.

Turquoise Lifestyle

Silver Lifestyle

Gold Lifestyle

Platinum Lifestyle

Protect your home

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?

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.

Getting it made easy

Home Loan

Qualifying criteria

To qualify you should

  1. Be a Namibian resident
  2. Have fixed employment for at least 2 years
  3. Have a bank account that is conducted satisfactorily
  4. Your monthly repayments cannot be more than 30% of the gross monthly income (individual or combined)

How to get it

Start Application Now

Other ways to apply

Contact us

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Documents needed

  • 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