Housing Finance in Sudan


This profile is also available in French here.

To download a pdf version of the full 2020 Sudan country profile, click here.

Sudan has a legacy of regional economic, political and social instability, decades of economic sanctions, and armed conflict and civil war, which have affected the socio-economic development. Government and non-governmental stakeholders have implemented several relief and social measures in response to COVID-19 to support the local population.

The financial system is defined as small with low levels of inclusivity, particularly beyond major urban centres. There is limited information available online  on the specification of mortgage-related product and the banks which offer such products. Access to housing finance is an obstacle for Sudanese homeseekers at multiple economic levels.

Basic housing remains largely unaffordable for most Sudanese people as the cost of construction is excessively high compared to salaries. The Sudanese pound continues to depreciate rapidly, high inflation is affecting household spending power, the country faces shortages of fuel, cooking gas and bread, and the measures implemented to halt the spread of the COVID-19 virus place further strain on an already compromised economy.

The majority of Sudanese live in simple houses of their own or rent from landlords or agricultural scheme authorities. At the centre of the housing challenge in Sudan is access to land. A number of housing projects have been pursued over the years however these have faced challenges that include funding, lack of sustainable local materials and location challenges. There is an opportunity to develop local capacity in the supply of technologies and alternative building materials for basic construction. Similarly, there is scope to further capacitate local authorities to be able to better respond to the challenge of ensuring sustainable housing delivery.

Find out more information on the housing finance sector of Sudan, 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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