Loans

ZHL Loans

Find the right Loan for you

Secure your plot

Land Purchase Loan

A loan intended for purchasing undeveloped land or a lot with the intention of building on it in the future. It provides funds specifically for acquiring the land itself, separate from construction costs. Our Land Purchase Loan gives you the flexibility to purchase land now and build later.

Upgrade your space

Home Improvement Loan

Turn your house into your dream home with Zambian Home Loans!This loan is used to finance renovations, repairs, or upgrades to a residential property. It allows homeowners to improve the value, comfort, or aesthetics of their homes without needing to use savings.

Build your dream

Construction Loan

A loan specifically designed to fund the construction of a new building or renovation of an existing one. It typically provides funds in stages as construction progresses and may convert into a traditional mortgage once construction is complete.

Own your home

Home Purchase Loan

If you are interested in purchasing a house, we invite you to consider Zambian Home Loans. Our loan options enable you to make an outright purchase with a 25% down payment, whether you are a first-time homeowner or looking to upgrade your current residence.

Unlocking Financial Possibilities!

Each type of loan serves distinct purposes, addressing different financial goals and situations.

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Quick Access to Funds

Unlock value

Equity Release

This type of loan allows homeowners to access the equity tied up in their property without having to sell it. It can provide a lump sum or regular payments based on the value of the home, typically for retirees or older individuals looking to supplement their income.

Access funds early

Salary Advance

A short-term loan provided by an employer to an employee against their future salary. It allows employees to access funds quickly in case of emergencies or unexpected expenses before their regular payday.

Quick financial support

Salary Backed Short Loan

Similar to a salary advance, this loan is backed by an individual’s future salary. It provides a short-term solution for financial needs, with the understanding that repayment will be made from the borrower’s upcoming salary.