Housing Finance

The root to home ownership in Zambia is commonly through stage by stage (incremental) building because of the constraints of affordability. Due to this fact, many home structures are left incomplete and abandoned. To this effect MFinance has structured the housing facility with the intention to help break this trend. The main qualification for this facility is that individuals must be in employment or in business.

MFinance has chosen to concentrate on the following aspects:

  • Home Improvement
  • Home Completion
  • Home Extension

Whether you’re adding a swimming pool, building a guest house, adding an extra bedroom or just re-painting, MFinance has got you covered.


  • Must be Zambian
  • Natural persons ( no Entities)
  • Aged between 21 years to 60 years ( Loans will not run beyond the retirement age)
  • Must be Employed, or in Business ( for at least one years)
  • Co- borrowers must be a Spouse ( evidenced by a certified Marriage certificate)
  • 2 Passport size photos
  • Copy of National ID
  • 12 months latest Bank statements
  • Proof of Residential address-Utility Bill
  • Bill of Quantities
  • Valuation report for collateral
  • Three month pay slips
  • Approved plans

Consider the Benefits

  • Easy to access
  • The product is tailor made to suit the project needs
  • Affordable interest rate
  • Affordable Insurance
  • Realise the project faster
  • Flexible payment terms.