Housing Finance in Côte d’Ivoire

Overview

This profile is also available in French here.

To download a pdf full version of the 2019 Côte d’Ivoire country profile, click here.

The Government of Côte d’Ivoire (GOCI) has adopted an economic and financial programme (2016-2020) and implemented reforms set out in the memorandum of economic and financial policies 2016-2020 (Plan National de Development 2016-2020, PND) to boost the economy.

However, access to housing finance remains a challenge in Côte d’Ivoire. To alleviate the difficulties, the government has been able to negotiate a 5.5 percent interest rate for housing loans, repayable over 25 years. The GOCI has since adopted new measures to satisfy consumers, housing developers and financial institutions. These are the revision of interest rates and house prices. In addition, the country has improved the strength of its legal rights through amendments in 2012 to the OHADA Uniform Act on Secured Transactions, which broadens the range of assets that can be used as collateral (including future assets), extends the security interest to the proceeds of the original asset, and introduces the possibility of out-of-court enforcement.

The government is making efforts to improve the business climate, implement the ambitious National Development Plan, reform the banking sector, and simplify construction procedures and property registration.

Find out more information on the housing finance sector of Cote d’Ivoire, including key stakeholders, important policies and housing affordability:


Each year, CAHF publishes its Housing Finance in Africa Yearbook. The profile above is from the 2019 edition, which has up-to-date profiles for 55 African countries.

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