As part of our 10th Anniversary celebration, NCBA proudly introduces our promotional Land Loan, designed to help individuals and families take the first step toward home ownership and long-term investment.

Whether you are planning to build your dream home or secure land for the future, this product provides the financial support you need—backed by NCBA’s trusted standards and commitment to responsible lending.

Why Choose the NCBA Land Loan?

• Designed to support the purchase of undeveloped land
• Ideal for future home construction or investment purposes
• Promotional financing of up to 100% of the land value, subject to valuation and underwriting standards
• Structured to align with NCBA’s Credit Policy and risk framework

All loans are subject to credit assessment and policy requirements.

Loan Features

Loan Term:
Up to 10 years

Financing:
Up to 100% of the estimated value of the land

Eligibility Criteria

Applicants
must meet NCBA’s standard lending requirements, including:

• Demonstrated creditworthiness and a satisfactory repayment history
• Internal risk rating of Average (Pass) or better
• Stable and verifiable income
• Compliance with AML/CFT and KYC requirements
• An existing or newly established deposit relationship with NCBA

Application Requirements

• Completed loan application form
• Two valid forms of identification and proof of address
• Job letter and most recent three pay slips
• Land Register extract
• Independent valuation or evaluation report
• Executed loan and security documentation

Security & Insurance

• Primary
  Collateral: Legal mortgage over the subject land
• Insurance: Life insurance assigned to NCBA in accordance with Credit Policy requirements

Start Building Your Future Today

Take the first step toward owning your land and securing your future with NCBA.

NCBA – Banking Where You Belong.

APPLY NOW

credit@ncbal.com | +1-264-292-2356