• Maximum amount Kshs.500,000=
• Period: 2yrs
• Interest rate: 12% on reducing method
• A member will NOT be allowed to take this loan together with the anniversary loan
NB: Eligibility and other terms and conditions will apply as per other loan products.


Savings Account
This is a saving scheme which members can put aside some funds for school fees obligation. No limit to the monthly contribution and can be withdrawn on demand. The interest is based on the rate computed for dividend at the end of each year.

Flex Loan Product
:: Granted up to a maximum of Kshs 3,000,000
:: Repayment period 48 months.
:: Interest rate 14% p.a. on reducing balance.
:: Insurance cover of 2% of the value.
:: Loan application fees Kshs 300
:: Refinancing of loan will be charged 10% on the remaining principal balance.

Development Loan
This is purposely meant for member development projects and is processed within one (1) month. Maximum repayment period is 36 months at the rate of 12% on reducing balance method.

Emergency Loan
Issued for emergency cases only upto a maximum of Kshs. 100,000 /= which is processed within one (1) week and repayable within a period of 12 months at an interest rate of 12% p.a.

School Fees Loan
School fees loan is issued to a maximum of Kshs. 100,000/= repayable within 12 Months at the rate of 12% p.a.

Product Loan
Do you need a product you saw in the supermarket?
:: Repayment period 12 months
:: Interest rate 15% p.a.
:: Maximum loan Kshs. 100,000/=
:: No application fee

Refinancing of loans

Advance Loan
Granted upto a maximum of Kshs. 10,000/= repayable within one (1) month.

Instant Loan
Granted upto Kshs. 30,000/= repayable within three (3) months and processed within 48 hours.

Makao Loan
Granted to Dhamini Housing members for purchase and development of plots
Maximum amount is Kshs. 3,000,000/=
Maximum repayment period is 48 Months

All loans are subject to 2% insurance premium