Cal Home Invest Account

Cal Home Invest Account offers middle and upper class salary earners the opportunity to save through a special savings account over a period of time.

The account is meant to assist clients to save towards achieving the required down payment needed by real estate developers during mortgage purchasing.


  • Competitive and tiered interest rates shall be paid on this account.
  • Convenience to save and build up funds towards the acquisition of mortgage.
  • No withdrawals within the first three (3) years. Subsequently, only one withdrawal shall be allowed within every year.
  • Bank statements shall be sent to the account holders on a yearly basis without a charge.
  • Access to Cal Bank’s Mortgage Facility after having saved up to fifteen (15%) of the value of the house client intends to purchase. (Terms and conditions apply)
  • Convenience to save and build up funds towards the acquisition of mortgage.
  • Opportunity to enjoy lower down payment from recognized real estate companies.
  • Access to credit facility after achieving the required down payment for a preferred mortgage (Cal Bank’s terms and conditions apply).
  • Competitive interest earnings (T-Bill -3).

Target Market: Aspiring Home owners.

  • Initial Deposit is GHS 500.00.
  • Minimum Account Balance is GHS 500.00.
  • Minimum Account Balance to earn interest: GH¢ 1000.00.
  • Minimum monthly contribution: GH¢200.00.
  • Prospective clients will be required to satisfy the following requirements:
    • Complete particulars of the account.
    • Attach a valid pictorial national ID.
    • Attach one (1) passport size picture.
    • Proof of residential address (Water or Electricity).
    • Complete a Standing Order Form or submit proof of an established standing order instruction (If the client does not operate an account at Cal Bank).
  • Access to CalNet (view only feature) to monitor account.