Home loan

Absa Home Loan solutions are designed to support you at every stage - whether you’re buying your first property, upgrading, refinancing or investing.

Build your home

Up to 105% finance for loans up to P3 million

Finance available to purchase your property or plot and build the home you envision

Buy your home, renovate, or get equity release

Up to 90% finance for loan amounts up to P10 million

Suitable for purchasing a property, building or renovating your home, releasing equity, or switching your existing bond to Absa

Loan structure

Maximum repayment term of 30 years (linked to retirement age)

Competitive interest rates linked to the Absa Prime Lending Rate

Structured instalments based on affordability

Additional benefits

Equity release based on updated property value

Qualifying Home Loan customers may access additional financing for solar through our Absa Green Energy solution

We offer tailor-made insurance solutions for you and your property: Credit life insurance, Household contents cover, Retrenchment cover, Affordable premium

Eligiblity requirements

Available to permanently employed, contract-based and qualifying self-employed applicants

Open to both new and existing Absa salary account holders

Monthly instalments deducted via stop order

Subject to credit and affordability assessment

Let us contact you

Calculate your loan

Documents required
Original recent Payslip

Valid Identity Card / Omang(nationals)

For non–citizens; passport, valid work, and residence permit

Confirmation of employment

If new to employment confirmation of employment letter should indicate on-going probation or completion

Confirmation of physical address

Salary account with Absa Bank or three months bank statements from your current bank

Copy of your contract if you are employed on a contract basis

Marriage certificate if you are married

Spouse consent form (if married in community of property)

Form A if married out of community of property

Credit life is compulsory

Multi-residential property loan

Looking to expand your income through property? Our Multi-Residential Property Loan supports salaried and qualifying applicants who want to invest in rental-generating properties. Whether you’re building your first rental units or expanding your property portfolio, we provide structured financing aligned to sustainable income growth.

For individual rental opportunities

Maximum loan amount P5,000,000

Maximum loan tenor 240 months/20 years

Minimum 3 residential units required

Rental income must be paid int an Absa account

Let us contact you

Calculate your loan

Documents required
Original recent Payslip

Valid Identity Card / Omang(nationals)

For non–citizens; passport, valid work, and residence permit

Confirmation of employment

If new to employment confirmation of employment letter should indicate on-going probation or completion

Confirmation of physical address

Salary account with Absa Bank or three months bank statements from your current bank

Copy of your contract if you are employed on a contract basis

Marriage certificate if you are married

Spouse consent form (if married in community of property)

Form A if married out of community of property

Credit life is compulsory
Requirements and details
Let us contact you

Calculate your loan

Requirements and details

Available to credit-worthy salaried and qualifying applicants. Affordability is assessed using salary and verified rental income

Loan-to-value (LTV) ratio:
85% for Purchase
70% Construction
60% Equity Release/Refinance

Limited to following locations:
Southern Region: Lobatse, Kanye, Jwaneng Gaborone and Surrounding
North and Central: Mahalapye, Palapye, Serowe, Selebi Phikwe, Tonota, Tati Siding, Francistown. Borolong, Maun, Letlhakane (Orapa), Kasane, Kazungula