Showing Guinea because that’s where you are.
Guinea 💰 GNF Last updated2026-05-28 Prêt immobilier Calculator
Guinea
A mortgage of 600,000,000 GNF at 15% over 10 years works out to a monthly payment of about 9 680 097 FG, with total interest of 561 611 691 FG over the full term.
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Local context Prêt immobiliers in Guinea
Market overview
Guinea's mortgage market is led by BICIGUI (BNP Paribas group legacy), Ecobank Guinea, and Société Générale Guinée, supervised by the Banque Centrale de la République de Guinée (BCRG). Bauxite is the dominant export — Guinea holds the world's largest reserves and supplies major Chinese aluminium refineries (SMB Winning Consortium, CHALCO) — making the economy highly sensitive to Chinese demand and commodity cycles. The September 2021 military transition created sovereign-risk volatility, with Chinese policy bank financing partially backfilling Western caution.
Why 15% is the typical rate
A rate near 15% reflects the BCRG main policy rate around 11.5%, persistent franc guinéen inflation, and country-risk premium tied to political transition and commodity dependence.
Tax & regulatory notes
Property transfers attract a 5% registration duty plus 2% land conservation fee at the Direction Nationale du Domaine et du Cadastre. Mortgages are registered under the OHADA Uniform Act on Secured Transactions, which all Guinean courts apply since membership in 2000. The BCRG's Instruction No. 095/DGSIF/2017 regulates consumer credit disclosure but enforcement remains uneven, with most mortgages governed by individually negotiated contracts.
A mortgage of 600,000,000 GNF at 15% over 10 years
600 000 000 FG 15% 10 years (120 months) 9 680 097 FG 561 611 691 FG 1 161 611 691 FG 
