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TENANT PURCHASE SCHEME The new frontier in home ownership

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Home ownership is one of the major goals for many people. However, this goal remains a mirage for most wannabe homeowners because of the financial implications. And since we are Africans and our cultures dictate that one should provide a roof for his/her family, one feels that they are never complete until this is achieved. There are many ways of owning a home but today we will look at one of the least mentioned but feasible means – tenant purchase scheme (TNS).

few years ago, we witnessed the drama between the National Housing Corporation (NHC) and its tenants who had defaulted in clearing rent arrears and so their houses were being repossessed. It was then that the tenant purchase scheme came to light and people came to know about it. Such incidences, actually, put a damper on an otherwise good and viable means of home ownership.

Tenant purchase scheme makes the dream of owning a home a reality especially for the low and middle-income earners. In this model, tenants eventually own the houses they rent. The tenant deposits between 10 to 20 per cent of the sale price and pays the balance in the range of between 18 and 20 years. The rent offsets the cost of owning the house. In such an agreement, developers calculate the value of the house, the installments and the time within which the tenant can fully purchase the home.

The sale prices are usually market value assessed by qualified valuers of public bodies. Tenants, however, have the option of incorporating their own valuer just to be sure they are making the right decision and are getting value for their money. This works in favour of the tenant who has been spared the rigorous process of paying for mortgage. The strength of the scheme is that the monthly repayments are often lower than prevailing rental charges.

The scheme works in two ways. One, tenants who have been renting public houses for a minimum of one year are the first to be given the opportunity to buy the housing units. They pay the deposit upfront and the balance through tenant purchase scheme. Second is where a parastatal such as NHC or a private company develops housing units and then sells to buyers through the scheme. The buyers pay the deposit then pay the balance as rent over a period of years.

Currently, the NHC, the National Social Security Fund (NSSF) and a few private developers are offering this model. A 300 houses tenant purchase scheme is presently underway in Nakuru County. Fusion Capital, the company undertaking the project, plans to build 1,000 housing units throughout the country in the next three years, of which 30 per cent will be sold through the TNS model.

As Kenya becomes more urbanised, and as the population continues to bourgeon, tenant purchase scheme is regarded as the new frontier of the housing market. The scheme, which has already taken root in a number of countries worldwide, will enable Kenyans to own homes for a small deposit, low-cost rent, and without paying interest. TNS is thus a practical alternative for renters who cannot afford to pay a large deposit to secure a mortgage, but who still want to own a home.

What you need to consider

Before you purchase a home using this scheme, take note of the following: market value of the house; market rental of the house; deposit amount that you have versus minimum required; and balance of purchase price plus its repayment terms (interest and years).

Like any other investment, TNS poses some potential risks to the tenant such as lack of security. TNS carries the same threats for the tenant as a traditional mortgage, but without the benefit of potential recovery. If the tenant should default on his rent payments, for example, he loses the property the same way he would otherwise lose his home to foreclosure. Unlike foreclosure, the tenant has no legal options to recuperate their investment since they cannot sell the property, because they do not yet own it. The landlord can take full ownership of the property, regardless of how close to the end of the lease term the tenant may be, and the tenant essentially forfeits any excess money they paid toward their eventual down payment on the home.

Caution is, without doubt, the watchword for moving into this model: if you get the right property in the right place at the right price, chances are you have a good sound investment over a long period.

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Cover Story

Elizabeth Nzisa: The Firstborn Who Became a Mother Overnight

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While most teenagers spend their days focused on school, friendships, and dreams for the future, Elizabeth Nzisa, fondly known as Shiku, was forced to grow up much faster than she ever imagined. At only 17 years old, she found herself taking on the role of a mother to her three younger siblings after her family was hit by tragedy not once, but twice.

Her story, shared in an emotional interview, is a powerful reflection of strength, sacrifice and the deep bond between siblings. Elizabeth recalls the moment her life changed completely. Her mother died while giving birth to their youngest sibling, a baby boy. In the middle of that painful loss, their father walked away from the family, leaving Elizabeth alone with a newborn and two other young children to care for.

Mama yetu alipass 2024, Feb. Alipass akipata haka katoto kadogo. Dad naye akatuacha akaenda

 

Becoming a Mother Too Soon

She explains that she had no choice but to step up and become the parent in the house. She raised her youngest brother from the day he was born, and to this day he calls her mum, not knowing she is actually his big sister. That detail alone shows how much responsibility she carried at such a young age. She became the provider, the protector, the caregiver, and the emotional support for her siblings while she was still trying to understand life herself. With little help from relatives, Elizabeth had to find ways to survive, balancing school when she could, doing small jobs and making sure her siblings were fed, safe and loved.

The journey was not easy. She faced financial struggles, emotional exhaustion, and the pressure of trying to stay strong even when she felt overwhelmed. There were moments when she doubted herself and wondered if she was doing enough. Still, her story is not about defeat. It is about endurance. Elizabeth talks about finding strength through faith, support from the people around her, and the determination to keep her family together no matter how hard things became.

Over the years, she made sure her siblings stayed in school, had food on the table, and grew up feeling loved despite everything they had lost. What could have been a completely broken home became a family held together by her sacrifice and commitment.

Many viewers reacted emotionally, saying the story moved them to tears. Some described firstborn daughters as second mothers, while others said her life shows the kind of courage people rarely see but should never forget.

 

Click here to read our March issue 2026

Continue Reading

Cover Story

Elizabeth Nzisa: The Firstborn Who Became a Mother Overnight

Published

on

While most teenagers spend their days focused on school, friendships, and dreams for the future, Elizabeth Nzisa, fondly known as Shiku, was forced to grow up much faster than she ever imagined. At only 17 years old, she found herself taking on the role of a mother to her three younger siblings after her family was hit by tragedy not once, but twice.

Her story, shared in an emotional interview, is a powerful reflection of strength, sacrifice and the deep bond between siblings. Elizabeth recalls the moment her life changed completely. Her mother died while giving birth to their youngest sibling, a baby boy. In the middle of that painful loss, their father walked away from the family, leaving Elizabeth alone with a newborn and two other young children to care for.

Mama yetu alipass 2024, Feb. Alipass akipata haka katoto kadogo. Dad naye akatuacha akaenda

 

Becoming a Mother Too Soon

She explains that she had no choice but to step up and become the parent in the house. She raised her youngest brother from the day he was born, and to this day he calls her mum, not knowing she is actually his big sister. That detail alone shows how much responsibility she carried at such a young age. She became the provider, the protector, the caregiver, and the emotional support for her siblings while she was still trying to understand life herself. With little help from relatives, Elizabeth had to find ways to survive, balancing school when she could, doing small jobs and making sure her siblings were fed, safe and loved.

The journey was not easy. She faced financial struggles, emotional exhaustion, and the pressure of trying to stay strong even when she felt overwhelmed. There were moments when she doubted herself and wondered if she was doing enough. Still, her story is not about defeat. It is about endurance. Elizabeth talks about finding strength through faith, support from the people around her, and the determination to keep her family together no matter how hard things became.

Over the years, she made sure her siblings stayed in school, had food on the table, and grew up feeling loved despite everything they had lost. What could have been a completely broken home became a family held together by her sacrifice and commitment.

Many viewers reacted emotionally, saying the story moved them to tears. Some described firstborn daughters as second mothers, while others said her life shows the kind of courage people rarely see but should never forget.

 

Click here to read our March issue 2026

Continue Reading

Cover Story

Endometriosis and sex: How to make intimacy pain-free

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There is no doubt that endometriosis can affect a woman’s way of life. The condition slews a couple of conditions, painful sex being one of them. Penetration pulls and pushes any tissue growth behind the vagina and lower uterus.

Although symptoms may differ from woman to woman, here are some things you can do to lessen your pain and ensure you have some good time:

Take a dose of painkillers

Take an over the counter painkiller that sits well with your body before intercourse and incase pain persists, take another one as prescribed.

Track your cycle and try at certain times of the month

Most women with endometriosis experience excruciating pain during their period and ovulation. Keep track of your cycle so that you can know when you are ovulating. You can use apps like my calendar and flo period tracker to track your periods. This will help you know when best to engage in sexual intercourse.

READ ALSO: Crucial Facts About Endometriosis Everyone Should Know About

Use lube

Vaginal dryness is not something to be ashamed of and if you happen to have it, lube should be your best buddy. Make sure to use any silicon or water based lubricant anytime you feel like your vagina is dry. Ensure the application is of good amount to achieve a wet area.

Explore alternatives

Talk with your partner about things that turn you on and bring you pleasure. Just to mention a few; mutual masturbation, foreplay, kissing and mutual fondling. Sex does not have to mean intercourse.

Try different positions

Experimenting different positions can teach you and your partner which ones hurt and the ones that bring direct pleasure with no or less pain. Positions that are considered better vary from person to person so take the time to explore and learn yourself with your partner.

Find the right rhythm

Finding the right rhythm can help you experience less discomfort during sex. Quick thrusting or deep penetration can aggravate pain. Talk to your partner about that which you do not like and find ways that will satisfy the both of you like exchanging positions so that you can control the speed and rhythm.

Bottom line

Intimacy does not have to be boring, painful or make you hate the condition that you have. Talk openly about your feelings around sex and penetration and what would help to ease your concerns.

Our FREE  e-paper March Issue is here!
As we celebrate our women this month, we bring you the best stories and the most inspiring features to get you going.
Click HERE to read!

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