How to apply for government Affordable housing in Kenya?

What is the affordable housing in Kenya ?

Affordable Housing is kenyan government Program offering a solution for providing good and affordable homes to people with lower and middle incomes. Its goal is to fill the space between the need for homes and the number available in Kenya. This portal is a big part of the plan to build 200,000 affordable houses every year.

How to buy government affordable housing in Kenya?

Start the journey to home ownership in 3 simple steps:

1. Register

How do I apply for  government Affordable housing in Kenya?

Sign up for free! You need an eCitizen account. Use the Boma Yangu web portal or *832# USSD to register. Fill in your personal details and housing preferences to complete your profile. Government agencies will check your details after registration. Make sure you meet these requirements:

  1. Be a Kenyan Citizen
  2. Be 18 years or older
  3. Have a valid National Identity Card

3. Save

To get your account going, just put away at least KSH 200. Once it’s active, you’re free to save any amount, anytime you want, using the different payment options available.

You can save using mobile money on any network, credit and debit cards, or by depositing cash at authorized banks like KCB, NCBA, and Cooperative bank.

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Being a registered saver, you can check out all the projects on Boma Yangu, pick the ones you like, and add them to your wishlist. When you choose a specific unit, it will tell you the deposit amount you need to save for eligibility, which is 10% of the unit’s value.

Remember, you can save as many times as you like—daily, monthly, etc. There’s no limit to the amount you can save. If you need a refund, it will follow the housing fund regulations and can be requested through this portal. Employer contributions will be handled according to the law and the Kenya Revenue Authority. For individuals, the mandatory contribution is 3%, capped at KES 2,500 per month.

3. Own

How to apply for  government Affordable housing in Kenya?

Once the construction projects finish, the process of giving out the homes will start. If you’re a registered member, we’ll let you know when this process begins.

You’ll get to pick a home and find out how much you need to have saved to be eligible. The process of giving out homes will be fair and open.

Your eligibility depends on different things, like when you saved enough money, your family situation, and other social factors. If you don’t get a home the first time, don’t worry. We’ll put you on a list so you have a better chance next time. For private projects, we’ll follow the terms and conditions of sale.

In this affordable housing plan, each Kenyan can only get one home. So, the rule is: one Kenyan, one home.

Frequently asked questions

  1. How to buy government affordable housing in Kenya?

    Begin the process of owning your home with just 3 easy steps:Sign up on the Boma Yangu website or use the *832# USSD code.Fill in your personal details and housing preferences to complete your profile.The government agencies will check and confirm your information after you register.

  2. How much do I pay for my Boma?

    Most people will pay for around 25 years or 300 months. For Boma Yangu, you need to put down 12.5% of the total cost as a deposit. So, if the unit costs Ksh 2,000,000, the deposit would be Ksh 250,000. Once you’ve paid the Ksh 250,000, the remaining balance will be Ksh 1,750,000.

  3. What are the benefits of My Boma?

    This helps people save money for a home and makes it easier to get mortgages and join the National Tenant Purchase Scheme online. You can also get a home through the portal.

  4. How is affordable housing levy calculated in Kenya?

    The Kenya Revenue Authority will collect the Affordable Housing Levy. This means employees have to give 1.5% of their total monthly salary, and employers also have to contribute 1.5% of the employee’s monthly gross salary.

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