{"id":11862,"date":"2023-09-12T15:59:01","date_gmt":"2023-09-12T14:59:01","guid":{"rendered":"https:\/\/cfi.co\/awards\/?p=11862"},"modified":"2024-12-03T13:05:59","modified_gmt":"2024-12-03T13:05:59","slug":"zambia-national-building-society-best-mortgage-provider-zambia-2023","status":"publish","type":"post","link":"https:\/\/cfi.co\/awards\/africa\/2023\/zambia-national-building-society-best-mortgage-provider-zambia-2023\/","title":{"rendered":"Zambia National Building Society: Best Mortgage Provider Zambia 2023"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11864 size-full\" title=\"Zambia National Building Society\" src=\"https:\/\/cfi.co\/awards\/wp-content\/uploads\/2023\/09\/ZNBS-jpg.webp\" alt=\"Zambia National Building Society\" width=\"450\" height=\"297\" srcset=\"https:\/\/cfi.co\/awards\/wp-content\/uploads\/2023\/09\/ZNBS-jpg.webp 450w, https:\/\/cfi.co\/awards\/wp-content\/uploads\/2023\/09\/ZNBS-300x198.webp 300w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/p>\n<p style=\"text-align: justify;\">Over the past 53 years, Zambia National Building Society (<a href=\"https:\/\/www.znbs.co.zm\/\" target=\"_blank\" rel=\"noopener\">ZNBS<\/a>) has pioneered Zambia\u2019s mortgage market and boosted affordable housing finance solutions for all citizens. Around a third of all mortgages help clients become first-time homeowners. ZNBS reported a 40-percent year-on-year increase of mortgage lending to homebuyers and landlords in 2022 \u2014 and the ensuing construction boom created an estimated 1,800 temporary jobs. It has introduced new mortgage products and terms that transform homeownership from a dream to a reality. ZNBS\u2019 30-year mortgage promotes financial inclusion as more people can qualify for funding with longer repayment periods. A drop in the standard variable rate for a mortgage, from 21 percent to 16 percent, makes homeownership more of a possibility for those with entry-level careers. Mortgage customers could be eligible for a 30-day, interest-free salary advance. Clients with a construction mortgage can apply for a capital repayment holiday up to 90 days. ZNBS hopes to help the diaspora community maintain ties with the homeland by offering mortgage solutions to Zambians living abroad. ZNBS has acquired over 100 hectares of land and begun developing infrastructure for roads, water, electricity and sewage. It intends to sell the parcels at more affordable, below-market prices and finance the home purchase through a mortgage. The CFI.co judging panel is pleased to note the company\u2019s ongoing efforts to increase affordable housing solutions throughout the country. The jury confers Zambia National Building Society \u2014 repeat programme winner \u2014 with the 2023 award for Best Mortgage Provider (<a href=\"https:\/\/cfi.co\/countries\/zambia\/\">Zambia<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Over the past 53 years, Zambia National Building Society (ZNBS) has pioneered Zambia\u2019s mortgage market and boosted affordable housing finance solutions for all citizens. Around a third of all mortgages<\/p>\n","protected":false},"author":1,"featured_media":11865,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[4,10,22,53],"tags":[204],"class_list":["post-11862","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-africa","category-banking","category-csr","category-front","tag-23-24"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.6 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Zambia National Building Society: Best Mortgage Provider Zambia 2023 - CFI.co<\/title>\n<meta name=\"description\" content=\"Zambia National Building Society has pioneered Zambia\u2019s mortgage market and boosted affordable housing finance solutions for all citizens\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cfi.co\/awards\/africa\/2023\/zambia-national-building-society-best-mortgage-provider-zambia-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zambia National Building Society: Best Mortgage Provider Zambia 2023\" \/>\n<meta property=\"og:description\" content=\"Zambia National Building Society has pioneered Zambia\u2019s mortgage market and boosted affordable housing finance solutions for all citizens\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cfi.co\/awards\/africa\/2023\/zambia-national-building-society-best-mortgage-provider-zambia-2023\/\" \/>\n<meta property=\"og:site_name\" content=\"CFI.co\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CapitalFinanceInternational\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-12T14:59:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-03T13:05:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cfi.co\/awards\/wp-content\/uploads\/2023\/09\/ZNBS-thumb-jpg.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"349\" \/>\n\t<meta property=\"og:image:height\" content=\"218\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"marten\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@CFIMagazine\" \/>\n<meta name=\"twitter:site\" content=\"@CFIMagazine\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"marten\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cfi.co\/awards\/africa\/2023\/zambia-national-building-society-best-mortgage-provider-zambia-2023\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cfi.co\/awards\/africa\/2023\/zambia-national-building-society-best-mortgage-provider-zambia-2023\/\"},\"author\":{\"name\":\"marten\",\"@id\":\"https:\/\/cfi.co\/awards\/#\/schema\/person\/e3ad9b01223c3a8168d49fc9b884a909\"},\"headline\":\"Zambia National Building Society: Best Mortgage Provider Zambia 2023\",\"datePublished\":\"2023-09-12T14:59:01+00:00\",\"dateModified\":\"2024-12-03T13:05:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cfi.co\/awards\/africa\/2023\/zambia-national-building-society-best-mortgage-provider-zambia-2023\/\"},\"wordCount\":248,\"image\":{\"@id\":\"https:\/\/cfi.co\/awards\/africa\/2023\/zambia-national-building-society-best-mortgage-provider-zambia-2023\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cfi.co\/awards\/wp-content\/uploads\/2023\/09\/ZNBS-thumb-jpg.webp\",\"keywords\":[\"23-24\"],\"articleSection\":[\"Africa\",\"Banking\",\"CSR\",\"FRONT\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cfi.co\/awards\/africa\/2023\/zambia-national-building-society-best-mortgage-provider-zambia-2023\/\",\"url\":\"https:\/\/cfi.co\/awards\/africa\/2023\/zambia-national-building-society-best-mortgage-provider-zambia-2023\/\",\"name\":\"Zambia National Building Society: Best Mortgage Provider Zambia 2023 - 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