Showing Togo because that’s where you are.
Togo 💰 XOF Last updated2026-05-28 Prêt immobilier Calculator
Togo
A mortgage of 25,000,000 XOF at 8.5% over 15 years works out to a monthly payment of about 246 185 F CFA, with total interest of 19 313 280 F CFA over the full term.
Mortgage Calculator
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Local context Prêt immobiliers in Togo
Market overview
Togo's mortgage market is led by BTCI (Banque Togolaise pour le Commerce et l'Industrie), Ecobank Togo (Lomé is the group's headquarters), and Orabank Togo, all supervised by the BCEAO. The Port of Lomé is West Africa's deepest, anchoring transit trade and urban Lomé property demand. The Société Togolaise d'Études et de Réalisations Immobilières (SI-TOGO) and Caisse Régionale de Refinancement Hypothécaire (CRRH-UEMOA) provide long-term mortgage refinancing to participating banks.
Why 8.5% is the typical rate
A rate near 8.5% reflects the BCEAO main rate around 3.5%, the CRRH-UEMOA refinancing window keeping long-tenor pricing competitive, and a moderate Togo country-risk spread.
Tax & regulatory notes
Property transfers carry a 6% registration duty plus 1% conservation fee at the Office Togolais des Recettes (OTR) cadastre. Mortgages are inscribed under the OHADA Uniform Act on Secured Transactions, with the CRRH-UEMOA Lomé-based regional facility refinancing housing loans of 10-20 year tenor. BCEAO Loi Uniforme on consumer credit requires TEG disclosure and a 14-day reflection period.
A mortgage of 25,000,000 XOF at 8.5% over 15 years
25 000 000 F CFA 8.5% 15 years (180 months) 246 185 F CFA 19 313 280 F CFA 44 313 280 F CFA 
