Let me see.
You buy a residential plot for Sh5.3 mirrions. You then build your dream house for another Sh7.7 mirrions. That is a total of Sh13 mirrions.
At 12% pa, Sh13mirrion in gavament bonds give you 120,000 x 13 per year.
That is to say you can live in a rented Kilimani apartment for Sh100,000 and still have money for food, fuel, electricity and water.
May be am stupid.