About ZHL
ZHL is a specialized mortgage finance business that is the first of its kind in Zambia. The company is owned by African Life Financial Services, Sofala Capital Pty (SA), and Saturnia Regna Trust.
Establishment and Operations
ZHL began its operations in August 2014 after receiving an operating license from the Bank of Zambia. As the first specialized mortgage finance company in Zambia, ZHL has a unique focus on serving the low to medium income groups in the country, assisting them in building or completing their houses.
Providing Affordable Housing Solutions
ZHL’s core mission is to provide affordable housing solutions to the underserved market segments in Zambia. The company recognizes the challenges faced by low to medium income groups in accessing financing for their housing needs. By catering specifically to this market, ZHL aims to bridge the gap and empower individuals and families to realize their dream of owning a home.
Through its specialized mortgage finance services, ZHL offers tailored solutions that meet the unique needs and financial capabilities of its clients. The company understands that each individual or family has different requirements and financial situations, and strives to provide flexible options that enable them to secure housing loans on favorable terms.
With a deep understanding of the local market and the specific needs of its target customers, ZHL is able to offer competitive interest rates and flexible repayment terms. By working closely with its clients, the company ensures that the loan structures are sustainable and affordable, taking into account factors such as income levels, household expenses, and future financial goals.
Partnerships and Commitment
ZHL’s commitment to providing affordable housing solutions is further strengthened through strategic partnerships with key stakeholders in the housing sector. The company collaborates with developers, contractors, and other industry players to ensure the availability of quality housing options that align with the needs and preferences of its clients.
Additionally, ZHL actively engages with government agencies, non-governmental organizations, and community-based organizations to identify and address the specific challenges faced by low to medium income groups in accessing housing finance. By working together with these stakeholders, ZHL aims to create a supportive ecosystem that enables sustainable homeownership and contributes to the overall development of the housing sector in Zambia.
Conclusion
ZHL is a pioneering mortgage finance company in Zambia, dedicated to providing affordable housing solutions to the low to medium income groups. With its specialized services and commitment to partnerships, ZHL is making significant strides in empowering individuals and families to achieve their homeownership goals and contribute to the growth of the housing sector in Zambia.