Commercial International Bank Kenya loan calculator for Ksh 1,000,000 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 17,563
180 monthly payments
Estimated total repayment
Ksh 3,161,335
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,161,334
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 21,730
For 180 months · incl. fees
Total repaid
Ksh 3,731,667
Principal Ksh 1,000,000 + Ksh 2,731,667 extras
Effective APR
25.87%
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 1,000,000 |
| 1 | Ksh 198,957 | Ksh 11,798 | Ksh 988,202 |
| 2 | Ksh 395,326 | Ksh 26,185 | Ksh 973,815 |
| 3 | Ksh 588,538 | Ksh 43,728 | Ksh 956,272 |
| 4 | Ksh 777,902 | Ksh 65,120 | Ksh 934,880 |
| 5 | Ksh 962,572 | Ksh 91,206 | Ksh 908,794 |
| 6 | Ksh 1,141,520 | Ksh 123,014 | Ksh 876,986 |
| 7 | Ksh 1,313,489 | Ksh 161,800 | Ksh 838,200 |
| 8 | Ksh 1,476,948 | Ksh 209,096 | Ksh 790,904 |
| 9 | Ksh 1,630,032 | Ksh 266,769 | Ksh 733,231 |
| 10 | Ksh 1,770,462 | Ksh 337,094 | Ksh 662,906 |
| 11 | Ksh 1,895,464 | Ksh 422,847 | Ksh 577,153 |
| 12 | Ksh 2,001,652 | Ksh 527,415 | Ksh 472,585 |
| 13 | Ksh 2,084,899 | Ksh 654,923 | Ksh 345,077 |
| 14 | Ksh 2,140,172 | Ksh 810,406 | Ksh 189,594 |
| 15 | Ksh 2,161,334 | Ksh 1,000,000 | 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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