Home Finance Learn More Loan amounts of up to 80% Repayment of up to 20 years × Type Details Home Finance To assist you to purchase Turnkey Residential properties for personal use or investment purpose. What we offer: Exclusive offers from our partner developers Access to long term funding to acquire homes Loan amounts of up to 80% Open Market Value of property Competitive interest rates on borrowings Flexible repayment terms of up to 20 years Debt Service ratio of up to 50% Download Form How to get it To qualify for the loan you must be: Work for any Fidelity profiled organisation or Self-employed customers with verifiable consistent income flows Employed for duration above 12 months and confirmed Over 21 years and under 60 years by the end of the loan term How to apply and what do you need Complete a Home Financing request form and provide the following documents: Letter of undertaking from the employer Last 3 months payslips Valid National ID Title documents of the property (Land Title Certificate) Valuation report (from an FBL recommended valuer/quantity surveyor ) Offer letter from the vendor Proof of minimum down payment or equity contribution of 20% towards the purchase price of the property Hazard or Allied Perils Insurance policy on the mortgaged property against fire and other allied perils/natural disasters to cover the Open Market value Mortgage Life insurance covering the total loan amount with FBGL’s as Primary Loss Payee Clean search on Credit Bureau Get Started Today: Call 3355 | Email | WhatsApp | Visit a Branch Home Equity Home Equity Learn More Repayment of up to 20 years Debt Service ratio of up to 50% × Type Details Home Equity To assist you in wealth creation or meeting personal cash needs by unlocking the value in your existing property. What we offer An opportunity to unlock the value of property to meet financial needs Loan amounts of up to 70% Open Market Value of property Competitive interest rates on borrowings Flexible repayment terms of up to 20 years Debt Service ratio of up to 50% Download Form How to get it To qualify for the loan you must be: Work for any Fidelity profiled organization or Self-employed customers with verifiable consistent income flows Employed for duration above 12 months and confirmed Over 21 years and under 60 years by the end of the loan term How to apply and what do you need Complete a Home Financing request form and provide the following documents: Letter of undertaking from the employer Last 3 months payslips Valid National ID Title documents to the property (Land Title Certificate) Valuation report (from an FBL recommended valuer ) Hazard or Allied Perils Insurance policy on the mortgaged property against fire and other allied perils/natural disasters to cover the Open Market value with FBGL as Primary Loss Payee Mortgage Life insurance covering the total loan amount with FBGL as Primary Loss Payee Clean search on Credit Bureau Get Started Today: Call 3355 | Email | WhatsApp | Visit a Branch Home Finance Shell Home Completion Shell Home Completion Learn More Repayment of up to 20 years Debt Service ratio of up to 50% × Type Details Shell Home Completion To assist you purchase and complete your dream home from our list of developers to your own specification and taste What we offer Reserved for only Shell completed houses from approved FBGL Developers. Shell property must be completed within12 months from the date of disbursement of the facility Loan amounts of up to 80% of the sale value of Shell House property or Bill of Quantities to complete the Shell House Competitive interest rates on borrowings Flexible repayment terms of up to 20 years Debt Service ratio of up to 50% Download Form How to get it To qualify for the loan you must be: Work for any Fidelity profiled organization or Self-employed customers with verifiable consistent income flows Employed for duration above 12 months and confirmed Over 21 years and under 60 years by the end of the loan term How to apply and what do you need Complete a Home Financing request form and provide the following documents: Letter of undertaking from the employer Last 3 months payslips Valid National ID Title documents to the property (Land Title Certificate) Bill of Quantities, Building Plan & Building Permit from an FBGL recommended value Construction schedule, estimates and financing plan to complete shell property within 24 months from date of disbursement of the facility to vendor Architecture Drawings, 3D impression, and Plan Hazard or Allied Perils Insurance policy on the mortgaged property against fire and other allied perils/natural disasters to cover the Open Market value with FBGL as Primary Loss Payee Mortgage Life insurance covering the total loan amount with FBGL as Primary Loss Payee Clean search on Credit Bureau Submission of a contract between Building Contractor and Mortgagor. Submission of Certificate of Classification from the Ministry of Water Resources Works and Housing for the contractor Submission of Building Permit from the Metropolitan/ Municipal Assembly. Supporting documents confirming the contractor’s track record and ability to execute similar projects are required. Get Started Today: Call 3355 | Email | WhatsApp | Visit a Branch Home Equity Home Improvement Home Improvement Learn More Loan amounts of up to 70% Repayment of up to 20 years × Type Details Home Improvement To assist you fund additions and improvements to an existing property. What we offer Loan amounts of up to 70% of Bill of Quantities or Pro forma Invoice Property improvement must be completed within 6 months from the date of disbursement of the facility Competitive interest rates on borrowings Flexible repayment terms of up to 20 years Debt Service ratio of up to 50% Download Form How to get it To qualify for the loan you must be: Work for any Fidelity profiled organization or Self-employed customers with verifiable consistent income flows Employed for duration above 12 months and confirmed Over 21 years and under 60 years by the end of the loan term How to apply and what do you need Complete a Home Financing request form and provide the following documents: Letter of undertaking from the employer Last 3 months payslips Valid National ID Title documents to the property (Land Certificate) Bill of Quantities, building plan & building permit from an FBGL recommended valuer. Construction schedule, estimates, and financing plan to complete improvement of property within 6 months from date of disbursement of the facility to vendor Architecture drawings, & 3D impression Hazard or Allied Perils Insurance policy on the mortgaged property against fire and other allied perils/natural disasters to cover the open market value with FBGL as Primary Loss Payee Mortgage Life insurance covering the total loan amount with FBGL as Primary Loss Payee Clean search on credit bureau Submission of a contract between building contractor and mortgagor. Submission of building permit from the Metropolitan/ Municipal Assembly. Supporting documents confirming the contractor’s track record and ability to execute similar projects are required. Get Started Today: Call 3355 | Email | WhatsApp | Visit a Branch Shell Home Completion Serviced Plot Finance Serviced Plot Finance Learn More Loans up to US$60,000 Repayment of up to 72 months × Type Details Serviced Plot Finance Designed to assist Fidelity customers to acquire/ purchase serviced land in well serviced, secured locations for the purposes of constructing a home for a private residence. The product serves as a boost to building your dream home at your own pace. What we Offer Exclusive offers & discounts from our partner developers Seamless process to acquiring a serviced plot to build your dream house Flexible repayment terms up to 72 months Access to a flexible Home Completion loan (from lentil level). Boost your ability to own land at a prime location Competitively priced facility rate Installment to Income ratio – 45% Loan Amount: Min.-US$8,000/ Max.- US$60,000 (or GHs equivalent) Up to US$200,000 for Prestige Banking clients Download Form How to get it The applicant must be a salaried employee working for a Profiled Organization. FBGL staff with at least 3 years of permanent employment Minimum 1-month salary drop plus 6 months account statement Foreigners with valid work and residence permit Unexpired lease term on a serviced plot with mini.. 30 years lease Repayment Mode: Monthly equal installments. 20% Equity contribution required Duration of employment (minimum)- 6 months and confirmed. Evidence of earlier confirmation is required. Property/ estate developer must have Land Title Certificate over serviced plots on sale Property/ estate developer must be a member of GREDA in good standing How to apply and what do you need Complete the facility request form and provide the following documents: Letter of undertaking from employer (attached in the Facility application form) Last 3 months pay slip Account statement for the last 6 months (from the previous bank) Invoice from Estate Developer listed in Fidelity bank’s approved estate developers Original title documents (Registered Land Title Certificate) on Serviced Plot pledged as security Signed transfer land title document retained by Fidelity bank. Photocopy of valid National Identification (passport, driver’s license, voter’s registration card) of guarantor(s) required, and must be verified as a true image of the guarantor. One passport size photograph Consent letter to mortgage land to Fidelity Bank Ghana Limited Get Started Today: Call 3355 | Email | WhatsApp | Visit a Branch Home Improvement
