The monthly repayments are 93,002 which totals to KES 1,116,024. The interest paid is therefore KES 116,024 only. Assuming no other charges and penalties are levied during the life of the loan, total cost for this borrowing becomes KES 150,025 only. This translates to a cost of 15% of the loan amount. And that's just for one type of loan. Is that loan that you want to get really worth the cost?