How We Bought A 6M Apartment In Kileleshwa On A Budget


Looking to own a house in the city but not sure how to make it happen? You’re not alone. But it is possible to buy a house even when you don’t have all the money you need upfront. My husband and I were able to do it, and in this post, I’ll share how we bought a KES 6 million ($60,000 USD) apartment in Kileleshwa on a budget.

First, let me introduce myself. My name is Wanjiru Njoroge, and I’m a personal finance enthusiast, minimalist, and mother. I’m passionate about helping people manage their finances better and live intentional lives. You can find more of my content on my YouTube channel.

Here are the steps that my husband and I took to buy our apartment:

  1. Research and Budgeting We started by doing extensive research and creating a budget. We considered the area we wanted to live in and the kind of apartment we wanted. We also looked at different financing options and figured out how much we could afford to spend.
  2. Join a Small Group Next, we joined a small group in our church, which helped us connect with someone who knew about a housing project. This person shared information about a new affordable housing project in Kileleshwa, and we were interested in it.
  3. Raise Funds After that, we brainstormed ways to raise the money we needed to buy the apartment. We decided to sell a piece of land and ask friends and family for loans. We also explored other financing options like housing financing circles, which are informal savings groups where members contribute money regularly and take turns borrowing from the group to buy assets such as land or a house.
  4. Commitment Once we had the money, we committed to paying off the loans within six months. We created a plan that involved careful planning and budgeting, and we were able to pay off the loans on time.

If you’re considering buying a house in the city, here are some things to keep in mind:

  • Start by doing your research and creating a budget. Figure out how much you can afford to spend and what kind of house you’re looking for.
  • Join a small group in your church or community to network and find out about opportunities. This can lead to unexpected connections and opportunities.
  • Be creative and explore different financing options. Consider informal savings groups like housing financing circles.

In conclusion, it is possible to buy a house in the city on a budget. Start by doing your research, joining a small group, and exploring different financing options. With careful planning and budgeting, you can achieve your dream of owning a house in the city.

For more information about the cost of affordable housing in Kenya, check out this article on Africonnect Real Estate {}. Good luck on your home buying journey!


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