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Uganda 💰 UGX Last updated2026-05-28 Home loan Calculator
Uganda
A USh 350,000,000 home loan at 17.5% over a 15-year term works out to a monthly payment of about USh 5,511,024, with total interest of USh 641,984,295 over the full term.
Mortgage Calculator
CFP® with 12+ years in mortgage & retirement planning.
Local context Home loans in Uganda
Market overview
Ugandan mortgages are led by Stanbic Bank Uganda (the largest commercial bank), Centenary Bank, Absa Bank Uganda, dfcu Bank, Housing Finance Bank (the specialist mortgage lender) and Standard Chartered Uganda. Housing Finance Bank holds the deepest mortgage book historically, while Stanbic dominates upper-income lending. The Bank of Uganda Central Bank Rate (CBR) is 9.75% in early 2026, with commercial bank prime rates 14-17% and mortgage rates running 1-4% above prime.
Why 17.5% is the typical rate
17.5% reflects typical UGX fixed mortgage pricing for a salaried Ugandan borrower at 80% LTV in early 2026, around prime plus 2-3%.
Tax & regulatory notes
Stamp duty is 1.5% of property value (Stamp Duty Act 2014). Land tenures are mailo, freehold, leasehold and customary, with mailo and leasehold the most mortgageable. Capital Gains Tax for non-individual sellers is 30% on the gain; individuals are typically exempt on principal residences. The Mortgage Act 2009 governs creation and enforcement, and the National Housing and Construction Company (NHCC) delivers affordable units. NSSF mid-term access (20% from age 45 with 10 years contribution) is a common down-payment source.
Local banks Uganda mortgage rates by bank
The main home loan lenders in Uganda, with indicative 2026 rates and typical loan-to-value caps. Rates vary by borrower profile, residency and property type — use the calculator above with each bank's quoted rate to compare your real monthly payment.
Housing Finance Bank
Uganda's specialist mortgage lender (majority state-owned). The default choice for salaried Kampala buyers — purchase, construction, and incremental-build loans with tenors to 20 years.
Stanbic Bank Uganda
The largest commercial bank, with the deepest mortgage book among private lenders. Competitive UGX rates for payroll clients and USD mortgages for diaspora and NGO-sector earners.
Centenary Bank
Uganda's biggest microfinance-rooted bank, strong on incremental construction lending outside Kampala where formal titles are being regularised.
DFCU & Absa Uganda
Mid-tier commercial lenders competing on salary-scheme mortgages; Absa leans on group-wide diaspora products. High nominal UGX rates reflect double-digit policy rates rather than lender margin alone.
Indicative rates compiled from public bank disclosures and central-bank data for 2026; not a quote or an offer of credit. Confirm current terms directly with the lender.
A USh 350,000,000 home loan at 17.5% over a 15-year term
USh 350,000,000 17.5% 15 years (180 months) USh 5,511,024 USh 641,984,295 USh 991,984,295 
