Housing Finance in West African Economic and Monetary Union (UEMOA)


Housing supply differs from one country to the other but overall it is still dominated by incremental, self-construction and informal entrepreneurs. Some of the upper-middle class use the services of government housing development agencies and to some extent private developers. They live in the residential zone and the very poor live in slums. There is very little data on the stock of houses in the union.

To promote mortgage activities and access to mortgages a regional mortgage institution, Caisse Regional de Refinancement Hypothecaire-UEMOA (CRRH-UEMOA), was created in 2010.. The mission of the new institution is to promote easy access to long-term financing to commercial banks to enable them to finance housing loans. The total capital of CRRH–UEMOA is CFA Francs 3 426 million, 60 percent of which belongs to financial institutions of the union, 15 percent to Shelter Afrique and 25 percent to BOAD.

Each year, CAHF publishes its Housing Finance in Africa Yearbook. The profile above is from the 2016 edition, which has up-to-date profiles for 51 African countries.

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Member Countries Burkina Faso
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