Mortgage Rates
Understanding the cost of capital is critical to any real estate investment. The Rizyd Mortgage Centre provides transparent, indicative insights into the Zambian lending landscape—empowering you to structure your financing strategy with clarity and confidence.
Understanding the Market
In Zambia, mortgage pricing is typically floating and pegged to the Bank of Zambia (BoZ) Policy Rate, with an added commercial margin determined by individual lenders.
- Kwacha (ZMW) Mortgages Generally carry higher interest rates to offset inflation and currency volatility, while eliminating exchange-rate risk for borrowers earning in local currency.
- Dollar (USD) Mortgages Offer significantly lower interest rates but introduce foreign exchange risk if income is denominated in Kwacha.
Current Market Indicatives (November 2025)
The figures below represent indicative market averages for informational purposes only and do not constitute a formal offer of finance.
| Facility Type | Currency | Indicative Rate Range | Maximum Tenure |
|---|---|---|---|
| Standard Home Loan | ZMW | 21.5% – 26.0% | 20 Years |
| Standard Home Loan | USD | 10.5% – 13.5% | 15 Years |
| Construction Finance | ZMW | 23.0% – 28.0% | 10 Years |
| Equity Release | ZMW | 24.0% – 29.0% | 10 Years |
Mortgage Calculator
Calculate your estimated monthly repayment by entering your loan amount, preferred tenure, and interest rate. This tool provides an indicative repayment schedule for planning purposes.
- Loan Amount (ZMW / USD)
- Interest Rate (%)
- Down Payment (%)
Financial Disclaimer
Rizyd.com is not a registered financial institution. All rates displayed are aggregated from publicly available commercial bank data and are subject to change following decisions by the Bank of Zambia Monetary Policy Committee (MPC).
We strongly recommend consulting with your relationship manager or a certified financial advisor to obtain a binding Offer Letter tailored to your financial profile.