Products
OUR PRODUCTS & FINANCING:
TYPES OF HOUSING PRODUCTS
We offer three distinct products for diverse housing needs:
- SOCIAL HOUSING UNIT PRODUCT:
Home Financing for landowners for the construction, renovation, extension, or completion of their houses, which is then repaid through our monthly structured RENT TO OWN terms.
GATED UNIT PRODUCT:
Secure, exclusive gated communities developed under our property development projects are available for outright purchase.
STAND-ALONE UNIT PRODUCT:
Individually located homes, developed or renovated under our property development projects, are available for outright purchase.
AVAILABLE PAYMENT OPTIONS:
6.1. Rent to Own Financing (for Social Housing Units)
6.2. Outright Home Purchase (for Gated and Stand-Alone Units)
6.3. Pre-Paid Service Agreements (for consultancy and technical services)
UNDERSTANDING OUR RENT-TO-OWN MODEL
WHAT IS RENT-BASED HOME FINANCING?
This model allows members to purchase homes through structured monthly instalments, similar to rent. Each payment acts as a downpayment, subtracted from the total price. Upon final payment, ownership is transferred – no bank loan required.
HOW IT WORKS:
- We construct your home to your specifications.
- You move in upon completion.
- You pay fixed monthly instalments over an agreed period.
- Ownership is transferred after the last payment.
PAYMENT DURATION OPTIONS:
– 5 years (60 months)
– 10 years (120 months)
– 15 years (180 months)
– 20 years (240 months)
EXAMPLE MONTHLY PAYMENT PLAN:
3-bedroom, medium cost unit (ZMW 700,000):
Initial Deposit (30%): ZMW 210,000
Balance: ZMW 490,000 payable as:
9.1. ZMW 2,041.70/month for 20 years
9.2. ZMW 2,722.22/month for 15 years
9.3. ZMW 4,083.33/month for 10 years
9.4. ZMW 8,166.70/month for 5 years