Prêt hypothécaire Calculator Haiti

Market overview

Haiti's mortgage market is led by UNIBANK, Banque de l'Union Haïtienne (BUH), Banque Populaire Haïtienne (BPH), and Sogebank, with the Banque de la République d'Haïti (BRH) as central bank and supervisor. The country runs a dual-currency economy where the gourde and US dollar circulate side by side, with a wide parallel-market spread persisting through the post-2021 security and political crisis. US diaspora remittances (around 20% of GDP, mainly from Florida and New York) are the single largest source of housing finance, often via direct family transfers rather than bank mortgages.

Why 18% is the typical rate

A rate near 18% reflects the BRH benchmark rate around 17%, double-digit gourde inflation, security-driven country-risk premiums, and structural illiquidity; USD-indexed mortgages run materially lower at 10-13% for borrowers with USD income.

Tax & regulatory notes

Property transfers carry a 3% registration duty plus 2% stamp duty at the Direction Générale des Impôts (DGI), with mortgages inscribed at the Conservation Foncière. The BRH's Circulaire 102-1 governs consumer credit disclosure, but enforcement is constrained by limited court capacity. Title-chain risk is significant due to historical land-record damage (2010 earthquake, ongoing institutional weakness), and most banks require a notarial title search going back 30 years before lending.