Your Chama Already Did the Hard Part
You showed up every month. You made your contributions even when it was hard. You chose each other over and over. Your chama is not just a savings group. It is proof that you are serious about building something together.
This is what your chama's savings could look like in the city - and it's being built right now
KEZA LAIKA
- Conventional apartments from KES 5.9M (1-bedroom)
- 2-bedroom from KES 8.2M · 3-bedroom from KES 10.2M
- Ruaka Corridor - a fast-rising part of the city
- Fruit tree orchard and 3.7 acres of landscaped gardens
- Smart home technology built in as standard
- Off-plan - secure at today's price before construction completes
- Professional tenant management available from handover
- Payment plans structured over the construction period
- Entry from KES 5.9M means a chama of 10 members needs KES 590K per person total - on a 24-month payment plan that is KES 24,600 per member per month. For a professionally employed chama member, this is achievable
- Off-plan means your chama buys at the lowest available price. By the time construction completes, the value has already moved - your group's investment grows before the first tenant even moves in
- The fruit tree orchard and 3.7 acres of gardens make KEZA Laika the address your chama members will want to bring their families to visit. Ownership pride matters - it keeps the group motivated and accountable to the investment
- Smart home technology attracts the young professional tenant who stays longer and takes better care of the property - reducing the management burden on your chama committee
- Payment plans align with how chamas actually work: monthly contributions collected, milestone payments made. Your chama does not need to have the full amount today
- If your chama grows, so can your KEZA portfolio - additional units or a larger typology can be added in Phase 2
KEZA RIRUTA
- Studio apartments from KES 2.7M
- Riruta Corridor - a rising address in the city
- Mugumo Park - a green sanctuary within the development
- Phase 1 is live and generating rental income right now
- Phase 1 unfurnished yield: up to 11%
- Phase 1 dollar-denominated yield: up to 15%
- 5 towers - multiple units and phases available
- Professional tenant management available from handover
- Phase 1 is live and generating verified Studios, 1-bed, 2-bed and 3-bed apartments
- Phase 1 is already earning - this is not a promise, it is a fact your chama chairperson can present at the next meeting with real numbers behind it. Up to 11% unfurnished yield and up to 15% on dollar-denominated leases - confirmed from Phase 1 performance
- Mugumo Park is rare. A green sanctuary inside a Riruta development is not something any other address in the corridor can offer. Your chama owns something special - not just another apartment block
- Studios and 1-bed units give chamas with tighter budgets a lower entry point and the strongest yield ratio - more income per KES invested. Larger units give bigger chamas a higher absolute monthly rental income to share among members
- Riruta is undervalued compared to established parts of the city. Phase 1 investors are already seeing appreciation. Your chama enters at Phase 2 prices that have already moved - with Phase 3 growth still ahead
- The dollar-denominated lease option gives your chama a natural inflation hedge - if the KES weakens, your rental income in USD does not. For chamas with diaspora members, this is a particularly powerful feature
- Request the Phase 1 performance report - real yield data your chama can present to its members at the next meeting
| KEZA Laika | KEZA Riruta | |
|---|---|---|
| Location | Ruaka Corridor | Riruta Corridor |
| Entry price | From KES 5.9M (1-bed) | Studios available - from KES 2.7M |
| Status | Off-plan - buy before completion | Phase 1 live - already earning |
| Yield | Projected - confirm with sales team | Verified: up to 15% (dollar-denominated) |
| Green feature | Fruit tree orchard · 3.7 acres gardens | Mugumo Park green sanctuary |
| Best for chama... | ...that wants to buy early and grow value | ...that wants income from day one with proof |
| Unit range | 1-bed, 2-bed, 3-bed | Studio, 1-bed, 2-bed, 3-bed |
| Monthly contributions | Structured over construction period | Confirm with the Investment Advisor |
| Corridor | Ruaka - fast-rising | Riruta - undervalued and rising |
How does your chama actually own the KEZA property? Plain English.
Your chama registers a limited liability company. Every member is a shareholder. The company purchases the KEZA unit and holds the title deed. Most commonly recommended for groups of 5 or more who want clear governance and the ability to resell or mortgage in the future.
- Equal or proportional shareholding
- Clear governance and decision rules
- Easiest to bank, borrow against, and sell
- Protection for individual members if one member leaves
A trust is formed with a named trustee and all members listed as beneficiaries. Title is held in the trust's name on behalf of the whole group. Suitable for chamas that want a lighter, lower-cost structure and already have high trust among members
- No company registration required
- Lower setup cost
- All members named as beneficiaries in the trust deed
- Trustee handles administration on behalf of the group
When your chama submits an enquiry, your dedicated KEZA Chama Advisor will walk you through both options at no cost. You do not need to have this figured out before you enquire. Most chamas make this decision after the first conversation with their Advisor.
Six steps from 'we're interested' to 'we' own something
1. Enquire - takes 2 minutes
Fill in the form at the bottom of this page. Tell us about your group: how many members, what you are considering, and when is best to reach you. No commitment, no paperwork - just a conversation starter.
2. Group call or meeting with your KEZA Chama Advisor
Your dedicated Advisor meets your whole group - on a Zoom or Google Meet that your chama chairperson can share in the WhatsApp group. Every member gets to ask questions directly. Typically 60–90 minutes.
3. Private KEZA Site Visit
We arrange a group tour of the KEZA project your chama is interested in. Weekday or Saturday morning - whichever works for your group. Every member can see what they are investing in with their own eyes.
4. Choose your unit and confirm your structure
Pick the KEZA unit (or units) that fit your group's budget and goals. Your Advisor confirms pricing, payment plan, and handover timeline in writing. Your group decides on the legal ownership structure.
5. Reserve and set up the group structure
Pay the reservation deposit together. Your Advisor's recommended lawyer sets up the company or trust that will hold your KEZA title deed. Simple, documented, and legally sound.
6. Contribute, build, and own
Monthly contributions follow your agreed payment plan. Construction continues and you receive milestone updates. At handover, your chama receives the KEZA title deed. Rental income starts immediately if you choose management.