Prêt immobilier Calculator Senegal

Market overview

Senegal's mortgage market is intermediated by Société Générale Sénégal, Ecobank Sénégal, CBAO Groupe Attijariwafa Bank, BICIS (BNP Paribas) and La Banque Atlantique, with the state-owned Banque de l'Habitat du Sénégal (BHS) as the dedicated housing specialist. The BCEAO (Central Bank of West African States), which sets policy for all eight WAEMU members, raised its main rate to 3.50% in 2024 and has held it through 2026 to anchor the CFA franc's peg to the euro at 655.957 XOF = EUR 1. Demand is driven by Dakar's peri-urban expansion toward Diamniadio and the new Blaise Diagne airport zone.

Why 8% is the typical rate

Rates of 7–9% reflect the BCEAO policy rate plus standard intermediation margins, kept moderate by the euro peg's inflation discipline.

Tax & regulatory notes

The Code Général des Impôts levies a 5% registration duty (droits d'enregistrement) on residential conveyances plus a 1% land conservation fee. The "Programme des 100 000 logements" launched in 2020 and renewed under the Plan Sénégal Émergent provides land at concessional pricing and refinancing through BHS for qualifying buyers. The 2011 OHADA Uniform Act on securities governs mortgage registration through the Conservation Foncière.