Get an instant eligibility score based on real African bank criteria. Find out what's holding you back and how to improve your chances.
🌍 Basic Information
Most banks: min 21, max 65 at loan end
💼 Employment & Income
Car, personal loan, credit cards (monthly payments)
🏦 Credit & Financial Profile
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📋 Criteria Breakdown
🚀 How to Improve Your Score
🤖 AfroTools AI Insight
📄 Documents You'll Need
✅3–6 months recent bank statements
✅Last 3 payslips (employed) or 2 years financial statements (self-employed)
✅Valid ID (national ID, passport)
✅Proof of address (utility bill, lease)
✅Property offer/sale agreement
✅Credit bureau consent form
✅Employment letter / contract
❓ Common Questions
How long does approval take? +
South Africa: 5–10 business days. Kenya: 7–14 days. Nigeria: 14–30 days. Ghana: 2–4 weeks. The timeline depends on document completeness and valuation turnaround.
Can I apply with bad credit? +
It's difficult but not impossible. Options include: waiting 12–24 months and rebuilding your credit, applying through a co-borrower with good credit, using government housing schemes (like SA's FLISP or Nigeria's NHF), or approaching cooperative housing funds.
What is a good down payment? +
Most African banks require 10–30% down payment. SA banks may approve 100% bonds for first-time buyers with good credit. Nigeria's NHF requires 10%. Ghana and Kenya typically require 20–30%. A larger down payment improves approval chances and reduces rates.
Does this guarantee bank approval? +
No. This is an indicative pre-qualification based on typical bank criteria. Each bank has its own assessment process, and final approval depends on property valuation, full credit check, and other factors. Use this as a guide to prepare your application.