According to Habitat for Humanity, Kenya has an annual housing demand of 250,000 units with an estimated supply of 50,000 units, culminating in a housing deficit of 2 million units, or 80% deficit. Housing affordability is a key challenge in Kenya with many people unable to afford to buy or build their own home. 
If you're like many Kenyans struggling to pay your rent every month and dream of becoming a homeowner but the current mortgage rates are prohibitive, consider signing up for the  Affordable Housing Programme (AHP) also known as Boma Yangu.
The Affordable Housing Programme (AHP) is a government initiative and one of the pillars under the 'Big 4 Agenda' which ensures that low and middle income households have access to decent and affordable housing units.
The Affordable Housing Programme is intended to address the housing needs of the following (monthly) income brackets:

1. Social - up to Kshs 19,999
2. Low Cost - Kshs 20,000 - Kshs 49,999
3. Mortgage Gap - Kshs 50,000 - Kshs 149,999

To apply for a house, you need to be a Kenyan Citizen with a valid National Identification Card and a recurring source of income.
The application process

• Register on the affordable housing portal here. Make sure you complete your application otherwise you won't be allowed to move to the next step.
• Begin making contributions to the Housing Fund and select your housing preference from the available or upcoming housing stock.
• Once registered and contributing to the Housing Fund, applicants who qualify will participate in a regular and transparent allocation process for the available houses.

The Fine Print

• The houses will be awarded through a fair and transparent system free of any human intervention and contact through a secure, computerized system. The minimum contribution you can make a month is Ksh 2500. There's no maximum cap as long as you don't exceed the price of the property you signed up for.
• The system is designed to ensure every qualifying applicant is allocated a house. However, it is expected that there will initially be more demand for houses than supply of affordable houses. In the event that an applicant is not allocated a house in an initial allocation, their name will be put on a waiting list and the applicant will have a higher likelihood of allocation on subsequent developments.
• Contributions to the Housing Fund can be accessed on the sooner of 15 years after a member's first contribution or the attainment of retirement age.

        What's currently available?
        Moke Gardens 
        1 bedroom- 40sqm-Ksh 1.95m
        2 bedroom- 64sqm-Ksh 3.2m
        3 bedroom- 86 sqm- Ksh 4.4m
The above rates are for cash buyers who've registered at Boma Yangu.
Make a 12.5% deposit to start contributing.
For enquiries, contact Huduma Centre - 0206900020

*Image: Boma Yangu