Housing Finance in Congo, Republic of the


This profile is also available in French here.

To download the full pdf version of 2020 Congo Republic profile, click here.

The Republic of the Congo (Congo) is a member state of the Economic Community of Central African States and the Central African Economic and Monetary Community (CEMAC). Congo’s economy is mainly dependent on oil and more than half of the population are concentrated in the two major cities, Brazzaville and Pointe-Noire. The increasing population growth and rapid urbanisation pose a great challenge for the delivery of affordable housing.

To address the impacts of the COVID-19 pandemic, the government delayed tax collection and reduced corporate income tax by two percent for the fiscal year 2020. Access to finance for housing is through a variety of banks and few microfinance institutions offer targeted housing products. The  Congolese Housing Bank or Banque Congolaise de l’Habitat (BCH) is mostly state owned and is  a central player in the mortgage housing sector offering housing loan programmes.

Many Congolese struggle to access decent, affordable housing. Government-supported social housing units are costly and the process to acquire these is onerous and lengthy.  The majority of Congolese prefer self construction which is estimated to account for over 90 percent of the country’s housing stock.

Congo in collaboration with international partners is strengthening the policy framework that governs housing and urban development. There is an opportunity to explore the development of the rental market in urban areas and designing innovative products that will allow low income households to get onto the property ladder.

Find out more information on the housing finance sector of Republic of Congo, 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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