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Frequently Asked Questions

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The first step towards applying for a mortgage product is to provide us with your income details either from employment, consultancy or rental income (if any) and bio data. We will review your information and advice on the loan amount you would qualify for. This will enable you to budget for a property that you can comfortably afford to pay for. Once you have identified a property, our Relationship Managers will guide you in submitting your complete application documents for credit review and approval.
Through our Construction loan product. This loan allows you the freedom to choose a team of professionals to carry out your construction. NCBA has an in-house team to vet and oversee the project to ensure the construction is done to detail. The construction funds are released in stages after thorough site inspections are done.
Our maximum repayment period is 25 years. We allow our Customers to choose loan repayment periods ranging from 1 to 25 years. The period is dependent on the customer’s retirement age, source of income and ability to pay the loan.
The costs associated with a mortgage include; facility fee, Valuation fees, Stamp Duty, Legal fees and would usually amount to approximately 6-8% of the property-selling price.
It takes a minimum of (1) one day to confirm eligibility. Offer letter within seven (7) days. The mortgage process depends on many factors; key one being the readiness of the customer in providing the required documentation and paying relevant fees. It also depends on the nature of transaction. The following provide a guideline of the different periods:
(Including approval of the loan up to disbursement)

- Purchase of house      approx. 45-60 days
- Construction loans     approx. 45-60 days