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Angola 💰 AOA Last updated2026-05-28 Crédito habitação Calculator
Angola
A Kz 35,000,000 mortgage at 21.0% over a 15-year term works out to a monthly payment of about 640 714 Kz, with total interest of 80 328 573 Kz over the full term.
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Local context Crédito habitaçãos in Angola
Market overview
Angola's mortgage market is led by Banco Angolano de Investimentos (BAI), Banco BIC, Banco de Fomento Angola (BFA), Banco Económico and Banco Millennium Atlantico, with state-owned Banco de Poupança e Crédito (BPC) historically the largest by branch network. The Banco Nacional de Angola (BNA) held its BNA Rate at 19.50% through early 2026 to defend the kwanza after several years of sharp depreciation against the dollar. Luanda — Talatona, Miramar, Ilha — dominates demand, although oil-revenue volatility means primary residential activity remains highly cyclical with Brent prices.
Why 21% is the typical rate
Mortgage rates of 20–23% reflect the BNA policy rate of 19.5% plus a slim spread, with much retail credit still pegged or indexed to USD to manage kwanza risk.
Tax & regulatory notes
Property transfers attract SISA tax at 2% under the Código do SISA and a 0.3% stamp duty under the Código do Imposto do Selo. The Lei de Terras (Law 9/04) reserves land ownership to the State but provides for transferable surface rights and concessions of up to 60 years renewable. The Programa Nacional de Urbanismo e Habitação and BPC's Crédito Habitação Própria provide subsidised lending for first-time buyers in approved developments such as Kilamba, Zango and Cidade do KK.
A Kz 35,000,000 mortgage at 21.0% over a 15-year term
35 000 000 Kz 21% 15 years (180 months) 640 714 Kz 80 328 573 Kz 115 328 573 Kz 
