Mwinzi, CPA Faustin Mwongela2025-09-192020http://192.168.8.146:4000/handle/123456789/164What you need to know: Construction loans are much preferred. Incentives available to mortgagors should be extended to construction loans. Construction loans, which are essentially personal loans, are secured against future salaries and, in some cases, to pension benefits.enKenyaAffordableHousingRetirementMortgageHomeArticle