• Monday - Friday: 8:30 - 17:00 Saturday- 09:00 to 12:00
  • Horizon Bank | Kokora Road, Nimra Talata Juba, South Sudan
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Equity Release

Equity Release


• These are facilities granted against an existing mortgage charge or on a property that is free of encumbrances. The loan amount is pegged to the unutilized value built in the property. Value builds in a property as a result of the following;
– Customer repays a portion or all of the initial loan amount
– Property value appreciates over a period of time
• Purpose shall include: Additional long term / short term investments, Increase working capital and Business expansion.
• The facility shall be structured in line with the purpose.
• Customer must provide proof that loan funds will be utilized for the purpose stated in the credit request.


Loan amount • As per Bank Credit Risk Policy, guideline and product handbook with serviceability demonstrated from existing income streams.
Repayment capacity • Repayment capacity will be assessed on existing business cash flows.
Security • Existing mortgage charge

• New-to-bank customers: As per collaterals defined in the Group Credit Risk Policy.

Maximum tenor • Tenor to be in line with the purpose, up to a maximum of 120 months


Method of Repayment • Amortized over the tenor of the loan. Loan Repayment to include loan principal plus Interest amount.


• The borrower must have clear and proven source of repayment – already existing income streams that are sufficient to meet expected repayment.

• The structure and terms and conditions shall be in line with the purpose of the facility

• Mortgage Protection Policy for the borrower.

• Fire Policy over the property with Bank’s interest duly noted.


  • Borrower is able to derive value from existing fixed assets to finance other needs

For any inquiries call us on +211 920 961 800; All your banking needs