For all mortgage products,the ultimate amount that you pay in the end is higher than the amount borrowed for obvious reasons,the lender needs to make cash,your purchased asset increases in value at a rate higher than the interest you pay. I believe that the product is really a good one for one to consider where one's income is not sufficient to finance putting up a house and lacks the time and skills to build a house. What I believe they are selling is the opportunity that most of us have seen as being very illusive for lack of knowledge,cash or time. If you have the 1million shillings available and a good project supervisor you are likely to incur a similar cost to set up a two bed bungalow. Chaguo ni lako and all the best!!!