Get a home loan from the Civil Servants Housing Scheme Fund (civil servants)
State Department for Housing and Urban Development · sources read 2 Oct 2026
If you are a serving civil servant, register with the Civil Servants Housing Scheme Fund, fill its loan form (KSh 1,000) and return it to the CSHSF office at Ardhi House, Nairobi. The Fund vets you and sends you to a partner mortgage lender, and it lends up to 90% of the price, so you need 10%.
- Fee
- KSh 1,000Loan application form (Form D)
- Where
- CSHSF offices, Ardhi House, Ground Floor, Wing A, Nairobi (State Department for Housing and Urban Development)
What you need
- Certified copies of the national ID for you and your spouse
- Payslips for the last 3 months and one passport-size photo
- Original letter from your employer confirming your employment
- Copy of the title or an official search of the property
- To buy: the letter of offer or sale agreement
- To build or improve: approved building plans and priced bills of quantities
- A current valuation report from a registered valuer
Steps
- Register your interest with the Civil Servants Housing Scheme Fund.
- Fill in the loan application form and pay KSh 1,000 for it into the CSHSF account at KCB Milimani Branch (account details are on the form).
- Return the completed form with your documents to the CSHSF offices, Ardhi House, Ground Floor, Wing A, Nairobi.
- The Fund checks that you qualify and sends your name to a mortgage finance institution. You then apply formally with that lender, which appraises you.
- If approved, you are told and the money is paid out. You repay by check-off from your salary.
Watch out
- The Fund lends at most 90% of the price or building cost, so you must pay or show the other 10%.
- After the monthly repayment you must still keep at least a third of your basic salary.
- The plot or house must be in an urban area, not in a rural area.
Who can apply
- Serving civil servants only.
- The loan is for buying or building a residential house (the form also lists improving a house, and buying land to build on).
- You can get up to two loans, but not at the same time. People who have never benefited get priority.
Official sources (3)
- Framework for providing housing loan facilities to civil servants for development and purchase of residential houses housingandurban.go.ke · read 2 Oct 2026
- Application form for housing loan/finance to purchase/develop/improve a residential house (Form D) housingandurban.go.ke · read 2 Oct 2026
- Our Functions housingandurban.go.ke · read 2 Oct 2026