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KES 3,999,000 sounds like a meaningful reserve, but one expensive handover issue could change that quickly. The purchase under consideration is a 2-bed new-build flat in Nairobi priced around KES 178,700,000. That cash would need to cover moving, urgent inspection findings, the insurance...

A decision on the 2.8% reduction is approaching, but the evidence is not ready for it. After 81 days, cutting may be reasonable—or it may simply compensate for a comparison set that mixes unlike properties. The Nairobi retail units I have gathered range from KES 130,500,000 to KES 195,800,000...