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We pride ourselves to be the premier property finance institution with a variety of products to suit the need of Individual and Corporate members.We have led the Co-operative movement in provision of one of life’s main basic need i.e. shelter.

With a well-founded need to provide housing as a basic need and worthwhile investment, many credit and savings societies in Kenya have facilitated the purchasing of plots of land for their members.  By offering friendly payment terms, the SACCOs have made it possible for ordinary members to own parcels of land for the construction of residential homes. Unfortunately, insufficient funds, and inability to qualify for long term loans and mortgages, have rendered most of the members incapable of developing the plots.  It is against this background that KUSCCO Housing Fund was conceptualised in 1996 to serve SACCOs and SACCO members.

The KUSCCO Housing Fund offers an unbeatable mortgage scheme that aims to:

1. Extend loans for construction of houses/homes for SACCO members and office blocks for SACCOs;
2. Facilitate outright purchase of residential houses

The housing fund has two main products:

1. KUSCCO Home Loan
2. KUSCCO House Master Loan

The KUSCCO Housing Fund offers an unbeatable mortgage scheme that aims to:

1. Extend loans for construction of houses/homes for SACCO members and office blocks for SACCOs;
2. Facilitate outright purchase of residential houses

The housing fund has two main products:

1. KUSCCO Home Loan
2. KUSCCO House Master Loan

The KUSCCO Housing Fund offers an unbeatable mortgage scheme that aims to:

1. Extend loans for construction of houses/homes for SACCO members and office blocks for SACCOs;
2. Facilitate outright purchase of residential houses

The housing fund has two main products:

1. KUSCCO Home Loan
2. KUSCCO House Master Loan

NB KUSCCO will have a first legal charge on the property during the period of loan repayment

1. All KHF membership application forms must be forwarded through respective SACCOs
2. Monthly remittance can be done through the SACCO, or other acceptable modes
3. The applicants current age plus the repayment period should not exceed 65 years

Home Buying

Own House/Home

1. Multiplier  5 times Savings

Commercial/ Rental Units

1. Multiplier  4 times Savings

Construction Financing

Own House/Home

1. Multiplier  5 times Savings

Commercial/ Rental Units

1. Multiplier  4 times Savings

Equity Release

Own House/Home

1. Multiplier  5 times Savings

Commercial/ Rental Units

1. Multiplier  4 times Savings

Buying plot

Undeveloped

1. Multiplier  4 Times Savings
2. Five year repayment period

You can now apply online!

ISO 9001

KUSCCO QUALITY POLICY

We commit to consistently promote SACCOs through advocacy and provision of quality technical and financial products that exceed the members’ expectations.
We shall comply with the statutory requirements and actively pursue continuous improvement of the ISO 9001:2015 Quality Management System (QMS) processes, capabilities and effectiveness

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