Showing Gabon because that’s where you are.
Gabon 💰 XAF Last updated2026-05-28 Prêt immobilier Calculator
Gabon
A mortgage of 35,000,000 XAF at 9% over 15 years works out to a monthly payment of about 354 993 FCFA, with total interest of 28 898 795 FCFA over the full term.
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Local context Prêt immobiliers in Gabon
Market overview
Gabon's mortgage market is led by BGFIBank, BICIG (BNP Paribas legacy), Ecobank Gabon, and UGB (Union Gabonaise de Banque), all supervised by the BEAC and COBAC within the CEMAC monetary union. Crude oil from Total, Perenco and Assala remains the dominant fiscal revenue source, making mortgage capacity tightly coupled to Brent prices. The August 2023 military transition prompted partial AU and CEMAC suspension, since lifted, and the Banque de l'Habitat du Gabon (BHG) provides subsidized housing finance for civil servants.
Why 9% is the typical rate
A rate near 9% reflects the BEAC main rate around 5%, the CFA franc EUR peg removing currency risk, and oil-fiscal cyclicality moderating the country-risk premium relative to other CEMAC peers.
Tax & regulatory notes
Property transfers carry a 6% registration duty plus 0.5% land conservation fee at the Conservation Foncière, with mortgages governed by the OHADA Uniform Act on Secured Transactions. COBAC supervises lenders under CEMAC banking regulations, and Loi No. 8/2014 on consumer credit mandates TEG disclosure. The Société Nationale Immobilière (SNI) develops state-sponsored housing distributed primarily via BHG and BGFIBank.
A mortgage of 35,000,000 XAF at 9% over 15 years
35 000 000 FCFA 9% 15 years (180 months) 354 993 FCFA 28 898 795 FCFA 63 898 795 FCFA 
