Construction Finance

This enables extension of credit to developers for construction or completion of housing units.

Features and Benefits

  • Timely completion of project due to access to funds for construction.
  • Access to NMRC mortgage facilities
  • Property purchased at below market price referral
  • Longer repayment tenor
  • Convenient repayment plan
  • Flexible terms and conditions
  • Competitive pricing
  • Individual can exercise his/her discretion in the design of his/her housing unit and in agreement with the developer
  • Equity as low as 30% towards construction cost
  • Facility tenor up to twenty four (24) months
  • Availability of mortgage for subscribers/off-takers
  • Opportunity for project/financial advisory
  • Attractive interest rate

Eligibility Criteria

A property development company with pedigree in housing development

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  • Application letter
  • Completed loan application form
  • Six months operational statement of account
  • Company profile
  • Three (3) years audited financials & management account
  • Satisfactory credit search report
  • Bill of Quantities (BOQ)
  • Property valuation report
  • Approved drawings and building plans.
  • Valid land title
  • Cash flow projection to cover tenor of the project
  • Environmental Impact Assessment (EIA) report
  • Any other documentation as may be required

Fees and charges

Below are fees and charges that you may be required to pay:

  • Types of fees

    Charges applicable

  • Rate
    Risk based
  • Fees
    Competitive and negotiable
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Frequently Asked Questions

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A construction loan seeks to bridge the funding gap within your project. Our Bank through its Financial Advisory desk will help you determine what type of financing that will suit your project in line with your business model.

No. At TrustBond, our construction loan is disbursed in piecemeal based on project achievable milestones. This process not only serves as a monitoring tool for the Bank it also protects you against the incidence of cost overrun and time overrun.

You will submit a drawdown request to the Bank a fresh disbursement after the completion of an approved milestone. The Bank will carry out an inspection of the project to verify your claim and then seek management approval for disbursement for the next phase of construction.

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Terms and Condition

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