Unlock your dreams KBZ Home Loan

Get your dream home with a KBZ Bank Home Loan

KBZ Home Loans are available with the widest variety of tenor, downpayments and catering to different customer wants, needs and qualifications. We understand that every home buyer’s circumstances are unique, and your personal KBZ Home Loan Consultant will guide you through the Home Loan process. KBZ Home Loans are available with tenures of up to 25 years, enabling you to repay the loan over a manageable time period. Explore the different KBZ Home Loans below to find the most suitable solution for you.

Resources and Tools

Home Loan Calculator

Use your income to estimate how much you may be able to borrow for a home loan.

Repayment Calculator

Work out how much your home loan
repayments might be.

How to Apply

Steps that required in order to apply for a Home Loan.


Useful information and common questions.

Ready to Apply for Conditional Pre-Approval?

There are a few things you’ll need to begin, such as your proof of identity, employment details and financial details such as income

Get a call from one of our
Home Loan Specialists

Request a call back

KBZ Home Loan

Your home loan is probably the biggest investment you’ll ever make. Find out everything you need to know before you take the decision. KBZ Home Loan can give you the peace of mind of knowing your repayments won’t change during the loan period. Get a special promotional 8.5% interest rate if you can make a down payment of 50% on your dream home. Available in a variety of terms, up to 25 years.

KBZ Home Loan For Professionals

If you are a professional such as a doctor, a lawyer or an architect, KBZ Bank can offer a KBZ Home Loan based on your available professional documentation. Find out more by sending email to [email protected] or talk to a KBZ Home Loan consultant to understand if you are eligible for a KBZ Home Loan for Professionals, taking you one step closer to your dream home.

KBZ Home Loan for Partnership Business Owner

If you are a Partner in a business, you might be eligible for a KBZ Home Loan to Partnership Business Owners if your business partner agrees to co-sign your application.

KBZ Rental Income Home Loan

Does your income come from property rentals and are you looking to grow your property portfolio? Let’s apply Rental Income Home Loan which calculates against the income earned on rental properties; apartment, condo and landed building, other rental properties as your income.

KBZ Plot-Plus-Construction Home Loan

Plot Plus Construction Loan if you are thinking to buy a plot and build your dream house on it.

KBZ Home Improvement Loan

Looking for financial support to renovate or repair your home? Consider the KBZ Home Improvement Loan that helps to cover the cost of home renovation fees by offering loans of up to 70% of renovation fees.

KBZ Step Up Loan

More and more people are considering KBZ Home Loans and KBZ Bank is constantly improving its housing loan conditions to make the home more affordable. With KBZ Step Up Loan, the interest rate will be 7% in the 1st year, 8% in the 2nd year, normal interest rate from the 3rd year onwards and customers who pay an initial deposit of 50% or more of the property assessed price will have a special rate 8.5 % from the 3rd year onwards.

KBZ Home Construction Loan

Are you building a home you have been designing in your head for years? The Home Construction Loan is an owner-builder loan, which designed to help you to build a home of your dreams! The obvious advantage of this loan is that you only pay interest on the money you use. Ready to build? Book an appointment to get more details via [email protected] or Request a call back.

Why KBZ Home Loan

Fast process

Notification about application status

Tailor made Loan Product

Special Discount

Loan Application

Use our Home Loan Calculator and find out how much you are eligible to borrow.

Visit your nearest KBZ Bank branch/ Home Loan Center  or Apply online  for conditional approval.

Submit the required documents directly to our home loan centers or KBZ Bank Branches together with the signed application form

Get the loan process started

Loan Processing

Open KBZ Home Loan Current Account and deposit the service fees to your current account.

Transfer General Power to KBZ Bank and finalise fees

Your loan will be transfered to the sellers KBZ Bank account

Loan Repayment and settlement

Deposit your repayments into your Home Loan Settlement Account before due date

Receive an SMS 3 days before your next repayment due date.

After 1 years’ loan tenor, you can make full or partial settlement of the loan. Penalty fee are applied.

This is a standard calculator for Home Loan Product to check your monthly installments based on your property price and down payment. If you want to check your eligibility and monthly installments for alternative products, please contact your KBZ Home Loan Sales team by the numbers below.

Am I eligible to apply for a home loan?

To qualify for a home loan, you must be a Myanmar national, age 18 or older, but less than 65. For more information, please call our Home Loan Center 09-444000700/800 , 09-444111102/03, 01-556437,01-556452 or email to [email protected].

I am self-employed with a regular income. Can I apply for a home loan?

Yes, you can

How long does the whole process take?

Every home loan situation is different, so it’s hard to estimate how long your specific home mortgage process will take. Some of the factors that affect the timeline include the type and terms of the home loan you’re requesting, the types of documentation required in order to secure the loan and the amount of time it takes to provide your lender with those documents.Your KBZ Bank Home Loan specialist will work closely with you to help you meet your timetable so that deadlines are met and your rate lock(s) are honored. Call to our Home Loan Center 09-444000700/800, 09-444111102/03, 01-556437, 01-556452 or email to [email protected].

I’m a doctor. Is there any special program available for me?

Yes. Qualified professionals have the opportunity to purchase a home. To find out how 

KBZ Bank  can assist you with a Home Loan speak with a Home Loan Specialist. Call 09-444000700/800 , 09-444111102/03, 01-556437, 01-556452 or email to [email protected].

How do I contact you if I have any questions?

You can inquire more by calling 09-444000700/800, 09-444111102/03, 01-556437, 01-556452 from Monday to Friday within office hours (9:30 a.m. to 4:00 p.m.). Or you can visit your nearest KBZ Branches.

Can the siblings having the same HouseHold Registration apply for a Home Loan jointly?

Yes, they can, if they have not got married yet

Can I make the repayment in advance before one year loan tenor?

If you would like to pay in advance before a one year loan tenor, you have to deposit the amount as shown in the first Schedule of the agreement, till the end of 1 year. If you prepay between 13-36 months, you must pay  3% a prepayment penalty on the outstanding loan amount. If you repay between 37-60 months, you must pay a 1% prepayment penalty on the outstanding amount. There is no prepayment penalty if repayment is done after 60 months. 

Can I change the loan tenor to 5 years from the former loan tenor of 10 years?

Yes, you can. Please submit the income evidence that covers the repayment amount in 5 years. You can apply to change the loan tenor after 1 year.

I’m a seaman. Can I apply for a Home Loan?

Yes, you can.

I’m a foreign worker. Can I apply for a Home Loan?

Yes, you can.

If I can not pay on the due date, what will happen?

The repayment can be late for 5 days from the due date. But if you are late above 5 days, the penalty 13% will be applied on the overdue amount, starting from the date of payment due date. 

You should not be late more than 30 days. If the repayment is late more than 30 days, the loan agreement will be automatically cancelled and the bank will take legal actions as needed.

Contact Us

Home Loan Center (Monday – Friday 9:30 a.m. to 4:00 p.m.)
Call : 01-556437, 01-556452
09-444111102/03, 09-444000700/800

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