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Credit Product to finance the buying of own homes under BNA Notice no. 09/2023


Amount Term Interest Rate
Until Kz 100 000 000,00 (One Hundred Million Kwanzas) for 2 Borrowers or 1 Borrower With Guarantor Under 25 Years Until 25 Years 7,00%
Until Kz 50 000 000,00 (Fifty Million Kwanzas) for 1 Borrower Until 25 Years 7,00%


  • Opening 1%
  • Restructuring 0.5%

Repayment terms

  • Standard repayment method
  • Unfaltering installments of principal and interest


Fees and consideration for financial services are subject to a 14% VAT rate, in accordance with Article 12(1)(i) of Law No. 7/19, of 24 April.
The use of credit is taxed according to the term of the credit granted, as follows:
  • Less than one year: 0.5%
  • Greater than one year: 0.4%
  • Equal to or greater than five years: 0.3%
The interest charged is subject to a 0.2% Stamp Duty
Fees for guarantees provided are subject to a 0.5% Stamp Duty
Stamp Duty is levied on the amount of the guarantees (except when materially ancillary), under the following terms:
  • Less than one year: 0.3%
  • Greater than one year: 0.2%
  • Equal to or greater than five years: 0.1%

Useful documents

Mortgages information sheet, Notice no. 9/2022
0.33 mb
Check List of Mortgages, Notice no. 9/2022
0.16 mb
Document BNA Notice n.º 09/2023
0.14 mb

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