Commercial International Bank Kenya loan calculator for Ksh 100,000 over 15 years.
Estimate repayment for a Commercial International Bank Kenya loan using the current 20.00% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,756
180 monthly payments
Estimated total repayment
Ksh 316,134
Ksh 100,000 principal + interest
Estimated interest
Ksh 216,133
At 20.00%
Current Commercial International Bank Kenya loan interest rate
Commercial International Bank Kenya is listed at 20.00% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
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Loan details
KESCentral Bank of Kenya · May 2025
+4.01 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,173
For 180 months · incl. fees
Total repaid
Ksh 377,667
Principal Ksh 100,000 + Ksh 277,667 extras
Effective APR
27.27%
Advertised rate 20.00% · 216.1% interest on principal
Repayment mix over 15 years
Early payments lean on interest; later ones clear principal.
Amortisation (yearly)
End of year · KES| Year | Interest paid | Principal paid | Balance |
|---|---|---|---|
| 0 | Ksh 0 | Ksh 0 | Ksh 100,000 |
| 1 | Ksh 19,896 | Ksh 1,180 | Ksh 98,820 |
| 2 | Ksh 39,533 | Ksh 2,619 | Ksh 97,381 |
| 3 | Ksh 58,854 | Ksh 4,373 | Ksh 95,627 |
| 4 | Ksh 77,790 | Ksh 6,512 | Ksh 93,488 |
| 5 | Ksh 96,257 | Ksh 9,121 | Ksh 90,879 |
| 6 | Ksh 114,152 | Ksh 12,301 | Ksh 87,699 |
| 7 | Ksh 131,349 | Ksh 16,180 | Ksh 83,820 |
| 8 | Ksh 147,695 | Ksh 20,910 | Ksh 79,090 |
| 9 | Ksh 163,003 | Ksh 26,677 | Ksh 73,323 |
| 10 | Ksh 177,046 | Ksh 33,709 | Ksh 66,291 |
| 11 | Ksh 189,546 | Ksh 42,285 | Ksh 57,715 |
| 12 | Ksh 200,165 | Ksh 52,741 | Ksh 47,259 |
| 13 | Ksh 208,490 | Ksh 65,492 | Ksh 34,508 |
| 14 | Ksh 214,017 | Ksh 81,041 | Ksh 18,959 |
| 15 | Ksh 216,133 | Ksh 100,000 | Ksh 0 |
What affects repayment?
Monthly repayment depends on loan amount, term, lending rate, processing fee, insurance and excise duty on interest.
Longer term tradeoff
A longer term can reduce monthly instalments but usually increases total interest paid over the life of the loan.
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