Acquiring a residence in Nairobi involves several essential steps. The initial step is to determine
your financial capacity, which requires thorough preparation not only for the purchase itself but
also for any supplementary expenses that may arise. Your financial readiness encompasses
various considerations, including:
Title Search – The risk of being defrauded in property transactions in Kenya is notably high,
which often deters potential buyers. To obtain accurate ownership details for your intended
property, you can utilize the e-citizen platform for a fee of Ksh 500.
Stamp Duty – This tax, ranging from 2% to 4%, is payable to the Ministry of Lands and is
contingent upon the property’s location.
Additional expenses may include legal fees, home insurance, and other costs such as
maintenance or further insurance.
Considering Cash Purchases?
When buying a residence in Nairobi, opting for a one-time cash payment can be advantageous,
as it often allows for negotiation and potential discounts. However, pursuing a mortgage is an alternative if a cash transaction is not
feasible. The benefit of a fixed-rate mortgage is that the
interest remains constant throughout the loan term. Conversely, an adjustable-rate mortgage
may fluctuate based on market conditions. The primary advantage of mortgage financing is that
it helps maintain your financial liquidity.
Establishing your negotiables and non-negotiables beforehand is crucial to ensure you secure a
property that meets your expectations. Another critical phase in the process is house hunting.
During this stage, it is vital to familiarize yourself with the market. Conducting thorough
property research and background checks is essential to ensure you obtain the correct
documentation and understand the terms of sale. This process should also include a site visit.
A current assessment of the house’s structural integrity addresses any apprehensions,
particularly those related to safety. Ultimately, obtaining an offer letter is the next step. This
document allows you to accept or decline the offer based on its alignment with your
criteria. At Alif Homes, we provide comprehensive guidance throughout the property acquisition
process. We invite you to visit us or reach out for assistance today.<\/div><\/p>\n","protected":false},"excerpt":{"rendered":"
Acquiring a residence in Nairobi involves several essential steps. The initial step is to determineyour financial capacity, which requires thorough preparation not only for the purchase itself butalso for any supplementary expenses that may arise. Your financial readiness encompassesvarious considerations, including:Title Search – The risk of being defrauded in property transactions in Kenya is notably…<\/p>\n","protected":false},"author":1,"featured_media":10314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"\n
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