Home Loan
Apply for a Stanbic IBTC Home Loan, a flexible home financing solution with monthly, quarterly, biannual, and annual repayment options.
Personalised
Interest rate
20 years
Max. Months to repay
N 3 000 000
Min loan amount
N 200 000
Net Monthly income
Some of the benefits
Quick application
Apply for your home loan online in a few easy steps
Easy terms
Get up to 20 years to repay your home loan
Expert assistance
Get help and advice from our team of property experts
Flexible instalment options
Choose to repay your loan monthly, quarterly, biannually or annually
What you get
Home financing is available to all qualifying Nigerian nationals, both in-country and in Diaspora;
- Get financing for properties across a wide range of locations
- A repayment tenor of up to 20 years
- The option to purchase a completed residential unit from the developer of your choice
- The option to purchase an off-plan unit through any of our approved developers
- Your choice of monthly, quarterly, biannual or annual loan repayments
- The option to apply for a joint home loan with your spouse
Did you know that you can raise equity on an existing property using our equity release mortgage. Send an email to [email protected] to learn more.
How to get it
Complete the Home Loan Application form or start your application online
You will also need:
- A valid offer of sale from the property seller
- A copy of the title documents to the property
- Last 3 months’ payslips
- Last 6 months’ bank statements with evidence of salary payment
- A copy of your valid photo identification (National ID, international passport or driver’s license)
- Letter of introduction from your employer stating your salary and confirmation status
- A copy of your company (work) ID card
- The valuation report from any of our approved property valuers
- Satisfactory search report
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What you get
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How to get it
Home financing is available to all qualifying Nigerian nationals, both in-country and in Diaspora;
- Get financing for properties across a wide range of locations
- A repayment tenor of up to 20 years
- The option to purchase a completed residential unit from the developer of your choice
- The option to purchase an off-plan unit through any of our approved developers
- Your choice of monthly, quarterly, biannual or annual loan repayments
- The option to apply for a joint home loan with your spouse
Did you know that you can raise equity on an existing property using our equity release mortgage. Send an email to [email protected] to learn more.
Complete the Home Loan Application form or start your application online
You will also need:
- A valid offer of sale from the property seller
- A copy of the title documents to the property
- Last 3 months’ payslips
- Last 6 months’ bank statements with evidence of salary payment
- A copy of your valid photo identification (National ID, international passport or driver’s license)
- Letter of introduction from your employer stating your salary and confirmation status
- A copy of your company (work) ID card
- The valuation report from any of our approved property valuers
- Satisfactory search report
Need equity for your home loan?
If you’ve contributed to your Retirement Savings Account (RSA) for at least the last 60 months, you can apply for a Specialised Mortgage for Pension Contributors. You can also access any of our low cost mortgages using MREIF low-cost funds.
Frequently Asked Questions
Everything you need to know about the Home Loan Product
Other loans you might be interested in
Specialised Mortgage for Pension Contributors
Specialised Mortgage for Pension Contributors allow retirement savings account holders to access up to 25% of their pension balance as equity contribution for a residential mortgage.
Stanbic IBTC MREIF Home Loans
A specialised mortgage financing solution with interest rate of 9.75% per annum