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Frequently Asked Questions
How do I receive my PGK2,000 cash back offer?
All loan applications that are submitted before September 30, 2022 will automatically be made eligible to receive the PGK2,000 cash back offer. However the payment will only be made once the loan settles, when the loan has settled you will receive the payment of PGK2,000 into your nominated Kina Bank account.
If my loan doesn’t settle will I still receive the cash back offer of PGK2,000?
No you will not, the payment will only be made if your loan settles. We’re unable to provide the offer if your loan doesn’t settle.
How long does the offer last?
The current offer will run from June 6 to September 30, 2022. All loan applications must be submitted before September 30 to be eligible for the cash back offer.
What is Kina home loan?
A Kina home loan is a loan product that allows customers to save money with the lowest 3-year fixed rate on the market. A Kina home loan can help you buy your first home or upsize to a larger one. We can also help with refinancing too! With a Kina home loan you will also get a dedicated personal Relationship Advisor to give you tailored advice as well as receiving a Kina Prime Visa Debit Card that’s fee free for the first three years.
How do I apply for a Kina home loan?
How can I get a 10% deposit together?
There are three ways that you can secure a 10% deposit.
1. Have cash savings in your bank account.
2. Access your housing eligibility funds via your superfund.
3. Raise finance on an unencumbered property to purchase another one. An unencumbered property is where you own a property outright with no mortgage or loans secured against it so it is debt free and must be on state lease title.
What are the features of the Kina home loan?
The features of a Kina home loan include:
- A fee-free Visa Debit Card.
- A historically low 5.47% 3-year fixed interest rate.
- A dedicated personal Relationship Advisor.
What if I don’t want a fixed home loan rate?
The fixed rate is optional and easily substituted by our competitive standard home loan rate.
How can I find out who my Relationship Advisor is?
What are the fees and charges attached to the Kina home loan?
All of our fees and charges can be found in the Kina Bank Fees Schedule, click here to access.
If I am an existing Kina Bank customer, am I able to open apply for Kina home loan?
Yes, all existing customers can apply for a Kina home loan.
Do I automatically receive a Kina Prime Visa Debit Card with the Kina home loan?
Yes, the Kina home loan comes with a zero-fee Prime Visa Debit Card with no annual or monthly fees for the first three years. It is accepted online and at retailers around the world.