About ZHL
ZHL is a specialized mortgage finance business, and it 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. ZHL started its operations in August 2014 after receiving an operating license from the Bank of Zambia.
Specialized Mortgage Finance in 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. The core mission of ZHL is to help these individuals and families build or complete their houses.
Homeownership is a dream for many, but it can be challenging for those with limited financial resources. ZHL aims to bridge this gap by providing accessible and affordable mortgage finance options tailored to the specific needs of the low to medium income groups.
Supporting Low to Medium Income Groups
ZHL understands the importance of safe and secure housing for individuals and families. By offering mortgage finance solutions, ZHL enables its clients to realize their dreams of homeownership.
One of the key ways ZHL supports low to medium income groups is by providing flexible repayment terms. The company understands that financial situations can vary, and it strives to create repayment plans that are manageable for its clients. This approach ensures that individuals and families can afford their mortgage payments without undue financial strain.
In addition to flexible repayment terms, ZHL also offers competitive interest rates. By keeping the interest rates affordable, the company aims to make homeownership more accessible for the low to medium income groups. This commitment to affordability sets ZHL apart from traditional mortgage lenders and contributes to its mission of empowering individuals and families to build or complete their houses.
Building Communities and Empowering Individuals
ZHL’s focus on low to medium income groups goes beyond providing mortgage finance. The company recognizes the importance of building strong communities and empowering individuals.
Through its various initiatives, ZHL actively contributes to community development. This includes partnering with local organizations and participating in community outreach programs. By investing in community development, ZHL aims to create a positive impact on the lives of its clients and the communities it serves.
Furthermore, ZHL offers financial literacy programs to its clients. These programs aim to educate individuals on financial management, budgeting, and homeownership responsibilities. By equipping its clients with the necessary knowledge and skills, ZHL empowers them to make informed financial decisions and maintain a sustainable homeownership journey.
Conclusion
ZHL is a specialized mortgage finance business that is dedicated to serving the low to medium income groups in Zambia. As the first of its kind in the country, ZHL is committed to providing accessible and affordable mortgage finance options to help individuals and families build or complete their houses. Through its focus on community development and financial literacy, ZHL aims to empower individuals and contribute to the overall well-being of the communities it serves.