Housing Finance in Equatorial Guinea


Equatorial Guinea has a limited housing finance sector. As the mortgage market does not yet meet the breadth of the population who might afford a mortgage, most households still finance their housing independently, with savings or non-mortgage credit. With an urbanisation rate of 3.32 percent, demand for affordable housing will remain strong, both for rental and purchase. Housing microfinance will play an important role in increasing the supply of housing, and efforts to increase access should be undertaken.

Housing supply is constrained, with the government likely the largest supplier of units. Membership to Communauté Économique et Monétaire des Etats de l’Afrique Centrale (CEMAC) lowers inflation and exchange rate fluctuation. With a good macroeconomic environment, sound policy, better data and increased access to affordable credit, an enabled housing market can increasingly provide housing that the average household in Equatorial Guinea can afford.

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

Each year, CAHF publishes its Housing Finance in Africa Yearbook. The profile above is from the 2018 edition, which has up-to-date profiles for 54 African countries.

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