Built for diaspora & investor buyers
Investment calculator
The same engine Keja uses in conversation: gross & net yield, payback period, and full 5/10-year projections. Every input is yours to question — no black boxes.
Your assumptions
Typical 4% of price for new apartments
Nairobi apartments typically run 80–90%
Service charge + 8% management + insurance + rates
Growth corridors: 9–12%; established suburbs: 6–8%
7.4%
Gross yield
4.9%
Net yield
KES 61,500/mo
Monthly cashflow
20.4 yrs
Payback
10-year projection
Value at Y10
KES 29.9M
Net rent collected
KES 10.4M
Total gain
KES 25.8M
Want this analysed against real listings?
Ask Keja to run these numbers on verified inventory — with market bands, comparable deals and a written investment verdict.
Mortgage on this property
Kenyan banks typically require 10–20%
2026 market range 10.5–16.5% (ESTIMATE)
Every extra shilling shortens the loan — see below
KES 150,605/mo
Monthly repayment
KES 15.5M
Total interest
| Year | Balance | Paid so far |
|---|---|---|
| Y1 | KES 11.3M | KES 1.8M |
| Y2 | KES 11.0M | KES 3.6M |
| Y4 | KES 10.3M | KES 7.2M |
| Y6 | KES 9.4M | KES 10.8M |
| Y8 | KES 8.2M | KES 14.5M |
| Y10 | KES 6.5M | KES 18.1M |
| Y12 | KES 4.4M | KES 21.7M |
| Y14 | KES 1.7M | KES 25.3M |
Indicative rates for guidance only. Keja can connect you with mortgage partners for current offers. Typical lenders: KCB · Stanbic · Absa · NCBA · I&M · Co-op Bank · Standard Chartered.
Affordability — what can your income carry?
Car loans, other loans, school fees obligations
Assumes the CBK-guided debt-to-income ceiling of ~33% of net income for the instalment, at 13.50% over 15 years with a 20% deposit.
KES 9.7M
Max property price
KES 100,500/mo
Max instalment (33% DTI)
Cash you need up front
- Deposit (20%)KES 1.9M
- Stamp duty (4% urban)KES 387,039
- Legal + valuation (~1.9%)KES 183,844
- Total cashKES 2.5M
Your current assumptions (KES 14.5M) sit above this budget. Raise the deposit, extend the term, or explore listings under KES 9.7M — browse the marketplace →