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Originally published by The Standard BusinessJanuary 8, 2026
1d ago
How joint loans could close Kenya's housing gap among low incomers
Due to the nature of a majority of Kenyans’ incomes – which is largely below Sh100,000 – its easier if loans are issued to joint accounts which would make many afford mortgages...
✨ Key Highlights
A recent report highlights that joint loan accounts could be a crucial solution to address Kenya's housing shortage, particularly for low-income populations. This approach is positioned as a more effective pathway to home ownership.
- The report is a joint effort by Sacco Societies Regulatory Authority (Sasra), Financial Sector Deepening (FSD) Kenya, and the Kenya Mortgage Refinance Company (KMRC).
- Joint loan accounts offer a better pathway in home ownership.
- The concept is presented in contrast to the complexities of property division during marital separation.
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