• 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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Plot Purchase Loan

Plot Purchase Loan Credit


The product facilitates the purchase of single user residential plots secured by a lien over the plot being purchased, the product also considers on exception – the financing of plots for multi-dwelling residential use and investment commercial use.


• The product caters to financing loans in the major urban developed towns in South Sudan subject to credit appraisal, property registration and formal registration of charges.

  • Financing will only be done if a plot is within municipality, city or county council of the town
  • Plots in environs of urban towns and County Headquarters above will not be financed
  • Land must have title deed
  • No agriculture land or plot will be accepted as security

• Debt to income Ratio – income being considered as a source of repayment
• Security/Collateral – the land/plot being purchased
• Source of income – Salary income or other steady incomes sources e.g., rental income.
• Loan currency;

  • South Sudanese Pound (SSP)
  • US dollar (if borrowers’ income is in that FCY currency and subject to Advances to deposit ratio)

• Interest rate

  • LCY Loans – The Bank Base Rate as advised from time to time plus a margin of up to 10% depending on credit appraisal.
  • FCY Loans – For foreign currency credit facilities, the applicable interest rates will be determined using the Bank Base rate and subject to necessary approvals.

• Facility Fees;

  • 1% of the loan amount
  • 2% of the loan amount for Diaspora clients

• Interest calculation – based on reducing balance basis
• Maximum Loan amount is dependent on a customer’s repayment ability
• Minimum loan amount – SSP 500,000
• Professionals used – Lawyers and Valuers listed in the banks panel


  • Ability to finance vacant residential land

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