Housing Finance in Chad

Overview

This profile is also available in French here.

To download a pdf version of the full 2020 Chad country profile, click here.

The economic upturn of the last two years (2018/19) came to an abrupt halt with the pandemic and all socioeconomic indicators are stagnant or regressing. Chad’s response plan against the pandemic includes tax reductions and the temporary suspension of other taxes. There are currently efforts underway to operationalise the Banque de l’Habitat du Tchad (BHT), which will facilitate the financing of decent housing at affordable prices.

Access to finance for decent housing is a long and complex exercise in Chad, as structures for technical assistance (advice and guidance) and direct financial support (mortgage loans) are almost non-existent. The level of credit indebtedness and its impact on housing affordability levels is not defined due to the lack of statistics, evaluation offices and analysis of mortgage credit.

Without the production of social housing, there is no affordable housing in Chad because the Guaranteed Minimum Interprofessional Wage can never finance decent housing without state subsidies. The high rate (53 percent) of tenant households in the cities is indicative of the difficulties in accessing land and building decent housing.

The government plans of setting up four funds  to reinforce the promotion of social housing has been delayed because of the current economic recession. The government’s efforts and goodwill to provide social housing are also a guarantee for real estate investors. Similarly, the exemptions from taxes on building materials and the effective establishment of the sovereignty fund in favour of the BHT, as well as the possibilities of distributing serviced land, are actions to be pursued to attract local and foreign investors.

Find out more about information on the housing finance sector of Chad, including key stakeholders, important policies and housing affordability:


Each year, CAHF publishes its Housing Finance in Africa Yearbook. The profile above is from the 2020 edition, which has up-to-date profiles for 55 African countries.

 

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