Cameroon 💰 XAF Last updated2026-05-28

Prêt immobilier Calculator Cameroon

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Quick answer (Cameroon)

A 40,000,000 FCFA mortgage at 8.5% over a 15-year term works out to a monthly payment of about 393 896 FCFA, with total interest of 30 901 248 FCFA over the full term.

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Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$460,562

PITI

Principal + Interest

$393,896

44% goes to interest

Total Interest

$30,901,248

over 15 years

Monthly Breakdown

Principal & Interest$393,896

Property Tax (1.1%/yr)$45,833

Homeowner's Insurance (0.5%/yr)$20,833

Total Monthly$460,562

Principal vs Interest Split

56% principal

44% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Prêt immobiliers in Cameroon

Typical loan

40 000 000 FCFA

in Cameroon

Typical rate

8.5% p.a.

prime borrower, 2026

Typical term

15 years

most common

Market overview

Cameroon's mortgage market is anchored by Afriland First Bank, Société Générale Cameroun, Ecobank Cameroon, UBA Cameroon and BICEC, with Crédit Foncier du Cameroun (CFC) the state housing bank. Monetary policy is set by the BEAC (Bank of Central African States) which serves all six CEMAC members and holds its TIAO policy rate at 5.00% through 2026 to defend the Central African CFA franc's euro peg at 655.957 XAF = EUR 1. Demand is concentrated in Douala (Bonapriso, Bonanjo) and Yaoundé (Bastos, Odza), with diaspora capital from France and the US a meaningful driver.

Why 8.5% is the typical rate

Mortgage rates of 8–9% sit roughly 3–4 points above the BEAC policy rate, reflecting Cameroon's deeper credit spreads versus the WAEMU zone.

Tax & regulatory notes

The Code Général des Impôts levies a 15% registration duty on urban conveyances — among the highest in the region — plus a 2% land conservation fee. The Crédit Foncier du Cameroun is funded by a 1% employer payroll levy and provides concessional housing loans under the Programme National de Construction de Logements Sociaux. OHADA's Uniform Act on Securities governs mortgage perfection through the Conservation Foncière.

🧮 Worked example

A 40,000,000 FCFA mortgage at 8.5% over a 15-year term

Loan amount

40 000 000 FCFA

Annual interest rate

8.5%

Term

15 years (180 months)

Monthly payment

393 896 FCFA

Total interest paid

30 901 248 FCFA

Total paid (principal + interest)

70 901 248 FCFA

❓ FAQ (Cameroon)

Common questions in Cameroon.

What is Crédit Foncier du Cameroun and who qualifies for its loans?

CFC is the state-owned housing bank funded by a 1% payroll tax. Salaried workers in the formal sector qualify for concessional mortgages — typically capped at FCFA 50 million — at rates 2–3 points below commercial banks.

Is the XAF the same as the XOF (West African CFA)?

No. Both are pegged to the euro at 655.957:1 but they are separate currencies issued by different central banks (BEAC for Central Africa, BCEAO for West Africa) and are not interchangeable in transactions.

How does property registration work in Cameroon?

All conveyances must be notarised and registered at the local Conservation Foncière within three months of the sale to perfect title and any mortgage. Failure to register within this window triggers penalty surcharges under the CGI.

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