For many Namibians, a home is more than an asset – it is the centre of family life, personal security, and long‑term financial wellbeing. At Standard Bank, we understand how closely your home loan journey is tied to movements in interest rates, and why clarity during monetary policy decisions matters. The latest announcement by the Monetary Policy Committee of the Bank of Namibia on in February 2026 is therefore an important moment for homeowners and prospective buyers alike.
Following a detailed assessment of economic indicators and in support of the long‑standing peg between the Namibia Dollar and the South African Rand, the MPC unanimously decided to keep the Repo rate unchanged at 6.50 percent. While this decision reflects a stabilising inflation outlook and supportive domestic conditions, it also offers a sense of continuity for households managing monthly commitments.
For homeowners with a variable‑rate home loan, stability in the Repo rate means your monthly instalment remains consistent for now. Because lending rates move in line with changes in the Repo rate, an unchanged policy stance ensures that you will not experience an immediate increase in your repayment amount. This predictability provides valuable breathing room for planning, saving, and managing your broader financial obligations.
For those who are considering purchasing a home, the unchanged rate environment contributes to a more stable borrowing landscape. When interest rates hold, potential buyers have an opportunity to assess affordability more clearly, make confident decisions, and plan with greater certainty. Whether you are entering the market for the first time or exploring an upgrade, a steady Repo rate creates a favourable moment to evaluate your options.
For long‑term savers, stability in monetary policy also supports the broader financial environment. While savings products respond differently depending on whether they are fixed or variable, the consistency of the policy rate contributes to a predictable outlook that helps you plan your savings or investment strategy more effectively.
At Standard Bank, we remain committed to guiding you through every shift in the economic cycle with transparent information and practical financial support. Our home loan experts are available to help you understand how interest rates influence the total cost of credit over the life of your loan and to assist you in making informed decisions that protect your financial wellbeing. Whether you want to explore the impact of different rates on your repayment or simply need personalised advice, we are here to help you navigate your journey with confidence.
While the Repo rate has remained unchanged this time, interest rates form part of an evolving economic environment. Staying informed empowers you to plan proactively, manage your cash flow effectively, and make decisions that align with your long‑term financial goals. Standard Bank will continue to keep you updated as changes occur, ensuring you always have access to clear guidance and trusted support.
Your home is one of the most important investments you will ever make. Understanding how interest rates shape that investment is key to securing a stable and successful financial future. At Standard Bank, we walk this journey with you; today, tomorrow, and through every phase of the economic cycle.