Housing Finance in Chad

Overview

This profile is also available in French here.

To download a pdf version of the full 2021 Chad country profile, click here.

Due to a population growth rate of 2.96% in 20201 and a massive rural exodus, Chadian cities, especially the capital of N’Djamena, are characterized by a proliferation of informal settlements and shanty towns due to the anarchic occupation of non-viable spaces which are essentially unsuitable for human settlements. This has resulted in a high urbanisation rate estimated at 3.99%. In addition to this uncontrolled urbanisation, the production, promotion and financing of low-cost social housing is limited by several constraints. These include the paralysis of the Banque de l’Habitat du Tchad (BHT), the only structure dedicated to housing financing, since its opening in 2017; the financial inability of the only functional parastatal real estate agency to self-finance social housing, the Société de la Promotion Foncière et Immobilière (SOPROFIM); and the high costs of imported building materials, due to the country’s isolation and the closure of borders imposed by COVID-19.

The tragic death of the President of the Republic, followed by a military transition, has aggravated the financial risks. Finally, the floods at the end of 2020, which affected several districts of N’Djamena for almost a month, forced more than 190 000 inhabitants to take refuge in schools and empty spaces or under makeshift shelters set up in precarious spontaneous camps. These floods highlighted the high degree of precariousness of the housing of most slum dwellers, who lack basic facilities such as electricity, water, hygiene, and sanitation, resulting in severe urban informality.

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 2021 edition, which has up-to-date profiles for 55 African countries.

 

Download yearbook
View more
View more
View more
View more