{
  "id": 5538203,
  "title": "Republic Bank to offer up to 100% mortgage financing at JoyNews Habitat Fair clinic.",
  "url": "https://urgent.news/2026/09/04/republic-bank-to-offer-up-to-100-mortgage-financing-at-joynews-5538203",
  "topic": "world",
  "section": "World",
  "published": "2026-09-04T10:27:33.000Z",
  "source": {
    "name": "MyJoyOnline Ghana",
    "slug": "myjoyonline-ghana",
    "url": "https://www.myjoyonline.com/republic-bank-to-offer-up-to-100-mortgage-financing-at-joynews-habitat-fair-clinic/"
  },
  "original_language": "en",
  "account": "Republic Bank Ghana is set to host a mortgage clinic as part of the Republic Bank JoyNews Habitat Fair, offering prospective homeowners up to 100% financing for eligible applicants. Head of Mortgage Banking and Customer Experience Dan Adjetey Mohenu revealed that customers may only need to contribute additional funds if the bank's approved amount falls short of the property's purchase price. Mortgage repayment terms can extend up to 20 years, allowing for more manageable monthly payments.\n\nThe bank considers existing financial commitments when evaluating mortgage eligibility, with repayments and existing liabilities ideally not surpassing 50% of a customer's income. In cases where a personal loan restricts mortgage qualification, Republic Bank may refinance the loan to accommodate additional mortgage financing.\n\nMohenu emphasized that Republic Bank does not impose a minimum income requirement for mortgage applicants, instead assessing the overall financial position, including household income. Family members, including spouses and eligible relatives, can contribute to the applicants' income to strengthen mortgage applications, provided they meet the bank's criteria. Self-employed individuals and business owners are also eligible for mortgage loans, given they can substantiate their income through proper financial documentation.\n\nThe bank advises prospective homeowners to maintain a good credit history, as credit bureau records can impact their ability to secure financing. Republic Bank's mortgage services are accessible nationwide, and the bank encourages potential homeowners to contact its mortgage team early to understand eligibility and explore suitable financing options based on their unique financial circumstances. The next Habitat Fair mini clinic, featuring Republic Bank's mortgage services, is scheduled for September 11 to 13 at Marina Mall.",
  "summary": "Republic Bank Ghana is set to provide prospective homeowners with insights into its mortgage financing options, including up to 100 percent financing for qualified customers, at the second clinic of the Republic Bank JoyNews Habitat Fair.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Joy Business",
        "title": "Republic Bank to offer up to 100% mortgage financing at JoyNews Habitat Fair clinic.",
        "url": "https://urgent.news/2026/09/04/republic-bank-to-offer-up-to-100-mortgage-financing-at-joynews",
        "published": "2026-09-04T10:27:33.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}