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Benin 💰 XOF Last updated2026-05-28 Prêt immobilier Calculator
Benin
A mortgage of 28,000,000 XOF at 8% over 15 years works out to a monthly payment of about 267 583 F CFA, with total interest of 20 164 865 F CFA over the full term.
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Local context Prêt immobiliers in Benin
Market overview
Benin's mortgage market is led by Bank of Africa Benin (BOA Benin), Ecobank Benin, and NSIA Banque Bénin, with BCEAO oversight. The Port of Cotonou is the dominant trade gateway for landlocked Niger, Burkina Faso, and northern Nigeria, supporting urban property demand. Benin retained relatively orderly access to international capital markets after a 2024 Eurobond issue, and the SImAU (Société Immobilière et d'Aménagement Urbain) public-private housing program has expanded mortgage supply through participating banks.
Why 8% is the typical rate
A rate near 8% reflects the BCEAO main rate around 3.5%, lower country-risk spread than Sahel WAEMU peers, and competitive pricing on SImAU-eligible loans.
Tax & regulatory notes
Property transfers attract a 8% registration duty plus 1% land conservation fee at the Agence Nationale du Domaine et du Foncier (ANDF), Benin's modernized cadastre. Loi 2017-15 standardized land titling across the country, accelerating mortgage registration to typically 4-6 weeks. BCEAO Loi Uniforme on consumer credit mandates TEG disclosure and a 14-day reflection period.
A mortgage of 28,000,000 XOF at 8% over 15 years
28 000 000 F CFA 8% 15 years (180 months) 267 583 F CFA 20 164 865 F CFA 48 164 865 F CFA 
