Unlock your financial freedom with EMESCCOS Title Deed Loans, offering high loan amounts, flexible repayment terms, and fast approvals using your title deed as collateral.
- Quick Approvals (1 Week)
Get your loan processed and disbursed within 1 week. - High Loan Amounts
Borrow up to 80% of your property’s market value. - Flexible Repayment Period
Enjoy extended repayment terms tailored to your financial needs. - Low Interest Rates
Competitive and affordable rates for manageable monthly payments.
Representative Loan Example
All our agreements are ensured against your vehicle and are subject to affordability
| 20% | 12 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
| 20% | 24 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
| 20% | 36 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
| 20% | 48 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
Minimum and Maximum Repayment Period
Loan are typically 12 months in duration, with a maximum 48 month contract. There is no minimum period, as loans can be repaid at any time within the agreed contract, with on early redemption penalties.
Benefits of Title Deed Loans
- Quick Application Process:
Experience a fast, efficient, and streamlined application process that allows you to secure financing quickly and with minimal paperwork. - No Credit Checks Required:
Title deed loans are approved based on the value of your property, eliminating the need for credit history verification and making it accessible to more applicants. - Competitive Interest Rates:
Benefit from affordable and competitive interest rates, ensuring cost-effective borrowing without compromising on quality. - Retain Ownership of Your Property
While your title deed is used as collateral, you continue to own your property, ensuring you maintain long-term asset security.
Unlock the Value of Your Property with Title Deed Loans
Leverage the equity in your property with EMESCCOS Title Deed Loans. Access substantial financing with competitive terms, all while retaining ownership of your asset.
Eligibility Criteria
- Applicant must be at least 18 years old.
- The property should be free from encumbrances or have minimal outstanding obligations.
- A valid title deed registered in the applicant’s name is required.
Application Process
- Document Submission: Provide your title deed, identification documents, and proof of income.
- Property Valuation: Our team will assess your property’s market value to determine the loan amount.
- Approval and Disbursement: Upon approval, funds are disbursed directly to your bank account promptly.
What Are Title Deed Loans?
Title deed loans are a secured loan option where your land or property title deed serves as collateral. Ownership remains in your name while you repay the loan, ensuring financial security and flexibility. Once the loan is fully repaid, your title deed is released back to you.
To qualify, you must be at least 18 years old, legally own the property, and provide the necessary documents for verification. Loan amounts depend on the property’s valuation, with repayment terms extending up to 60 months.
What’s covered under Title Deed Loans?
Inclusions
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Residential & Commercial Properties
Houses, apartments, office buildings, and retail spaces. -
Developed Land
Land with existing infrastructure like roads, water, and electricity. -
Mixed-Use Properties
Properties used for both residential and commercial purposes. -
Agricultural Land (With Development)
Farmland with permanent structures or utilities.
Exclusions
- Undeveloped Land
Bare land without infrastructure or development.
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Ancestral or Communal Land
Properties under customary or communal ownership. -
Government-Owned Property
Land or property with restrictions on private loans. -
Disputed Land
Any property with ongoing ownership or legal disputes.
Required Documents and Vehicle Information
With EMESCCOS fast processing, you can unlock the financial support you need within hours, whether for business expansion, emergencies, or personal investments.
- Original Title Deed – Must be in the borrower’s name and free of encumbrances.
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Recent Property Valuation Report – Determines the loan amount based on property value.
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KRA PIN and ID Copy – Required for identity verification and legal compliance.
- Passport Photos – Recent passport-sized photos of the applicant.
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Proof of Income – Such as a six-month certified bank statement to confirm repayment capability.
