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Eligibility Criteria

Our Products

Housing Loan

Build, Expand, or Improve Your Home with Confidence

At Uganda Microcredit Foundation (UMF), we understand that a safe and comfortable home is at the heart of every family’s well-being. Our Housing Loans are tailored for individual clients and groups, empowering you to build, renovate, or complete your dream home — quickly and affordably. With a fast processing time of just 3 business days, your shelter goals are closer than ever.

Eligibility

  • Legal and Active Income Source .
    - Must have a business or source of income that has existed for at least 6 months
  • Ugandan Residence
    -All applicants must reside and operate within Uganda..
  • Individual or Group – UMF supports both solo builders and group-based housing initiatives.
    -Both categories are welcome; group members must share a common venture.

Requirements

Client Identification (KYC)

National ID or passport (all applicants)
Date of birth, address, and contact details

Local Council Recommendation

Letter of endorsement from your LC1 chairperson confirming residence and good standing

Collateral

(based on loan size and client type)
Vehicle logbook, Land title or sales agreement Chattels , etc

Guarantors

Individuals: Two credible loan guarantors
Groups: Internal co‑guarantee plus one external guarantor

Other Products

School Fees Loan
Commercial Business Loans
Agriculture Loan
Group Loan
Salary Loans
Emergency Loans
Super Fast

Still Confused with Our loan products?

Call us today, visit any UMF branch, or chat with us via the UMF Mobile App — and let’s get you started on the right path to financial growth.

Contact Us

Build Your Dream Home Today with UMF Housing Loans!

Build Your Dream Home Today with UMF Housing Loans! speak to a loan officer at

+256-200-915-998
+256-393-194-031 

for personalized guidance.

Apply Now