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Flexible Financing Solutions

Borrow With Confidence

Personal loans and affordable housing solutions tailored to your financial needs.

Personal Loans

No collateral required

Get the funds you need for home repair, business startup, or personal projects with flexible repayment terms.

Maximum Amount

N$ 350,000

Interest Rate

Favourable rates

Repayment Term

6 - 72 months

Features & Benefits

✓ Flexible payment options (6-72 months)
✓ Variable interest rate at Favourable rates.
✓ Maximum amount up to N$350,000
✓ Credit default & credit life insurance included
✓ No collateral required

Qualifying Requirements

➜ Stable employment
➜ Good credit score. Non government Individuals with salaries depositedinto Letshego account for Three months. This is not applicable to government employees.

Required Documents

  • Valid Passport (not expired)

  • Latest proof of income / pay slip (without bonus)

  • Employment Confirmation Letter not older than 5 business days.

  • Latest 6 months' stamped bank statements on Salary Account for new Letshego customers

  • 6 months' pay slips if client works overtime or on commission

  • Marital Status Declaration / Spouses consent (if married ICOP)

  • Ante-Nuptial Contract (if married OCOP)

  • Marriage Certificate and Spouse's ID / Divorce Letter / Death Certificate if widower / widow

  • Proof of Residence (utility bill / rental agreement) or Police Declaration if utility bill not in client's name

  • Employment Contract if employed for less than 1 year. If the individual has been employed in the ministry for less than one year but has a longer continuous employment history within Central Government, they must provide proof of their extended service.

  • If a customer has rental income, the signed rental agreement must be provided, and rental income must be evident on bank statements.

  • Bank Confirmation

Terms and conditions apply

Home Loans

Affordable housing solutions

Your home, your choice. Whether you are buying, building, upgrading, or transferring your bond, our affordable housing solution offers competitive interest rates and flexible financing for both salaried and self-employed individuals across the public and private sectors.

Maximum Amount

LTV 106% for first mortgages

Interest Rate

Competitive rates

Repayment Term

Long-term financing

Features & Benefits

✓ Diverse options: standard home loans, building

     loans, plot financing and take-over/switch loans
✓ Take-over/switch loans available
✓ Free and quick pre-approval
✓ No bond fees for takeovers up to N$1.5 million
✓ Free homeowners insurance (first 3 years)
✓ Competitive interest rates
✓ Loan to value of 106% for first mortgages

Qualifying Requirements

➜ Formal employees (public & private) over

      18 years
➜ A good credit history

Mandatory Required Documents for all options:

  • A valid ID or passport with a minimum of six months validity remaining.

  • Bank confirmation letter

  • Latest 6 months’ bank statements

  • Employment contract or latest payslip

  • If income varies: Latest 6 months’ payslips

  • If married: Marriage certificate and antenuptial contract (if applicable)

  • If divorced: Final divorce order

  • Spouse’s latest 6 months’ bank statements

  • Subsidy booklet (for GRN employees)

  • Subsidy letter (for private employers, where applicable

Option 1: Take-Over of Existing Home Loans

A take-over refers to the transfer of an existing home loan from another financial institution to Letshego Bank. Upon registration, the existing bond with the current lender is fully settled and cancelled. A new bond is then registered in favour of Letshego Bank.

Additional Mandatory Required Documents

  • Municipal or utility account

  • Copy of the title deed

  • Latest 6 months’ home loan statements

This facility provides financing for the purchase of an existing second or third residential property that is fully constructed and ready for occupation.

Option 3: Additional Property Loan

Additional Mandatory Required Documents

  • A duly signed Offer to Purchase or Deed of Sale

This facility provides financing to first-time buyers for the purchase of an existing residential property that is fully constructed and ready for occupation.

Option 2: First-Time Home Loan

Additional Mandatory Required Documents

  • A duly signed Offer to Purchase or Deed of Sale

Building loans are intended to finance the construction of a new residential property, as well as extensions or alterations to an existing property.

Option 4: Building Loans

Additional Mandatory Required Documents

  • Approved building plans

  • Detailed building quotation

  • Signed building agreement or construction contract

Terms and conditions apply

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