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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

Prime + 2%

Repayment Term

6 - 72 months

Features & Benefits

✓ Flexible payment options (6-72 months)
✓ Variable interest rate at Prime + 2%
✓ Maximum amount up to N$350,000
✓ Credit default & credit life insurance included
✓ No collateral required
✓ Quick processing

Qualifying Requirements

âžœ Individuals with salaries deposited into Letshego account
âžœ Stable employment
âžœ Qualifying credit assessment

Required Documents

  • Completed application form

  • Original and Valid National Identity card or Valid Passport (not expired)

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

  • Income and Expenditure

  • Employment Confirmation Letter not older than 5 business days. Both Letshego forms signed and stamped by the Ministry's HR department, or Ministry letter will
    be accepted. In the case of teachers, a letter signed by the principal might be considered.

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

  • Latest 3 months' original bank statements on Salary Account for existing 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.

  • Static Data Amendment Form (when data is amended)
    If a customer has rental income, the signed rental agreement must be provided, and rental income must be evident on bank statements.

  • Bank Confirmation

LetsGo Ahead 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

Prime + 2%

Repayment Term

6 - 72 months

Features & Benefits

✓ Flexible payment options (6-72 months)
✓ Variable interest rate at Prime + 2%
✓ Maximum amount up to N$350,000
✓ Credit default & credit life insurance included
✓ No collateral required
✓ Quick processing

Qualifying Requirements

âžœ Individuals with salaries deposited into Letshego account
âžœ Stable employment
âžœ Qualifying credit assessment

Required Documents

  • Completed application form

  • Original and Valid National Identity card or Valid Passport (not expired)

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

  • Income and Expenditure

  • Employment Confirmation Letter not older than 5 business days. Both Letshego form signed and stamped by the Ministry’s HR department, or Ministry letter will be accepted. In the case of teachers, a letter signed by the principal might be considered.

  • Latest 6 months’ original stamped bank statements on

  • Salary Account for new Letshego customers

  • Bank Confirmation

  • Latest 3 months’ original bank statements on Salary Account for existing 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

  • No need for salary switching)

Home Loans

Affordable housing solutions

Buy, build, or upgrade your home with our affordable housing solution and competitive interest rates.

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
âžœ First-time homebuyers
âžœ Homeowners seeking refinancing
âžœ Lower interest rates opportunity

Required Documents

  • Identification document (s)

  • Bank Confirmation letter

  • Latest 6 months Bank statements

  • Employment contract/ Pay Slip (s)

  • 6 month’s pay slips when overtime considered

  • Couples- Married Certificate (ICOP)

  • Antenuptual contract (ANC)

  • Divorced - Final Divorce Order

  • Spouses 6 months Bank statements

  • Subsidy Booklet (GRN Employees)

  • Subsidy letter ( Private Employer where applicable)

Pre-Approval Application (Documents Required)

  • Identification document (s)

  • Bank Confirmation letter

  • Latest 6 months Bank statements

  • Employment contract/ Pay Slip (s)

  • 6 month’s pay slips when overtime considered

  • Couples- Married Certificate (ICOP)

  • Antenuptual contract (ANC)

  • Divorced - Final Divorce Order

  • Spouses 6 months Bank statements

  • Pay slips

  • Subsidy Booklet (GRN Employees)

  • Subsidy letter ( Private Employer where applicable)

  • Deed of Sale/ Offer to Purchase

Home Loan/ Outright Buy Applications (Documents Required)

  • Identification document (s)

  • Bank Confirmation letter

  • Latest 6 months Bank statements

  • Employment contract/ Pay Slip (s)

  • 6 month’s pay slips when overtime considered

  • Couples- Married Certificate (ICOP)

  • Antenuptual contract (ANC)

  • Divorced - Final Divorce Order

  • Spouses 6 months Bank statements

  • Pay slips

  • Subsidy Booklet (GRN Employees)

  • Subsidy letter ( Private Employer where applicable)

  • Municipality/ Utility Account

  • Copy of title deed

  • 6 Month Home loan statement

  • Consolidation of debt: All statements of NON-LBN-debt to be settled to be submitted and breakdown to noted on Loan Application

Take Over Applications (Documents Required)

  • Identification document (s)

  • Bank Confirmation letter

  • Latest 6 months Bank statements

  • Employment contract/ Pay Slip (s)

  • 6 month’s pay slips when overtime considered

  • Couples- Married Certificate (ICOP)

  • Antenuptual contract (ANC)

  • Divorced - Final Divorce Order

  • Spouses 6 months Bank statements

  • Pay slip- Spouse

  • Subsidy Booklet (GRN Employees)

  • Subsidy letter ( Private Employer where applicable)

  • Title Deed of vacant erf / Offer to purchase

  • Municipal approved building plans

  • Detailed signed quotations / Building Contract

Plot+Plan / Building Loan Applications (Documents Required)

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