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    Loan Comparison Engine v2

    Visualize the dramatic difference between affordable housing loans (KMRC) and standard commercial mortgages.

    KMRC Act 2026 Compliant
    9.5% Fixed vs. Market Spread

    KMRC vs. Commercial Loan Comparison Engine v2

    Side-by-side financial modeling for Kenyan SACCO members, mortgage seekers, and treasury committees.

    Loan Parameters

    KES 6,000,000
    10.0% Deposit
    For DSR Assessment
    240 Monthly Payments
    Market Avg: 16–19%
    Extra principal

    KMRC-Backed Mortgage Rate: 9.5% Fixed Rate

    Backed by Kenya Mortgage Refinance Company for properties up to KES 8.0M loan principal.

    100% KMRC-Backed Eligible (9.5% Fixed Rate)

    Loan principal of KES 5,400,000 qualifies fully for single-digit fixed financing.

    KMRC Mortgage
    9.5% Fixed

    Monthly Repayment

    KES 50,335

    DSR: 28.0%Total Interest: KES 6.68M
    Commercial Bank
    18% Variable

    Monthly Repayment

    KES 83,339

    DSR: 46.3%Total Interest: KES 14.60M

    Monthly Cash Flow Relief & Interest Alpha

    Save KES 33,004 / month(39.6% lower payment)

    Total cumulative interest saved over 20 years: KES 7,920,897

    Projections & Visual Trajectory

    Discuss on WhatsApp SACCO Institutional Structuring

    Why Compare Loans?

    A fraction of a percent in interest rates can compound into millions of shillings over a 20-30 year mortgage. By utilizing KMRC-backed financing through your SACCO or Bank, you lock in a single-digit rate, shielding yourself from the volatility of commercial interest rates.