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Build the Life You’ve Imagined
Make your dream home a reality with the ICB Housing Loan. Designed exclusively for individuals, this flexible financing solution covers up to 80% of the total cost for purchasing or renovating a home, while you contribute just 20% as margin. Enjoy a repayment period of up to 15 years, coupled with a competitive interest rate that makes home ownership more affordable and achievable. Whether you’re building from scratch or upgrading your current space, ICB is here to support your journey—brick by brick.
Features & Benefits
Quick Processing
Quick approvals with minimal documentation required.
Attractive Interest Rates
Competitive rates to make home ownership more affordable.
Flexible Tenure
Repayment period of up to 10 years, extendable to 15 years in special cases.
Affordable Repayments
Enjoy long repayment periods with affordable monthly instalments.
Flexible Loan Amounts
Get financing of up to 80% of your home purchase or renovation cost, tailored to your eligibility.
Currency
Available in TZS and USD
Turn Your Dream Home into Reality
Finance the purchase, construction, or renovation of your home with ease.
Safe & Secure Banking
Borrow with confidence from a trusted and regulated bank.
Stay in Control
Receive free e-statements and instant transaction alerts and reminders, so you’re always informed and in charge of your finances.
Convenience at Your Fingertips
Use ICB Digital our NetBanking and MobileBanking platform to check your account balances, pay utility bills, GePG payments or transfer funds to other banks and mobile wallets and more, anytime, anywhere.
No Hidden Costs
Transparent terms and clear charges, so you know exactly what you’re paying.
Loan Transfer Option
Move your loan from another bank and enjoy better terms with ICB.
Top-Up Facility
Get extra cash anytime by increasing your existing loan with ease.
Eligibility
Permanent or contract employees of government institutions or private companies.- Applicants must be between 25 and 52 years.
- Must maintain a salary account with ICB.
- Permanent employees should have at least 2 years of continuous service; contract employees must have their loan mature at least 3 months before contract expiry.
- Basic KYC documents required (valid NIDA, residence proof, employment ID, recent salary slips, and employer confirmation and undertaking).
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Salary Advance Loan
A short-term salary advance loan offering quick access to funds, simple repayment over a short tenure and transparent terms to manage urgent expenses.
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Insurance Premium Financing Loan
A flexible financing solution that allows individuals and businesses to spread insurance premium payments over time, helping manage cash flow while keeping assets and risks covered.
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Alternative Delivery Channels
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Agency Banking
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Internet Banking
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Mobile Banking
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ICB Umoja Debit Card
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ICB Mastercard Debit Card
Download ICB Digital App
Experience convenient and secure banking with ICB Digital, enabling you to manage accounts, transfer funds, pay merchants and settle utility bills and government payments anytime, anywhere.
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