အိမ်ရာချေးငွေ (ein-yar chay-ngway / housing loan) Calculator Myanmar

Market overview

Myanmar housing finance is concentrated in a handful of private banks — Kanbawza Bank (KBZ), Yoma Bank, AYA Bank, and CB Bank — alongside the state Construction, Housing and Infrastructure Development Bank (CHID Bank) which runs the country's main affordable housing program. Following the February 2021 military takeover, the Central Bank of Myanmar (CBM) has maintained a 7% policy rate with capped deposit rates of 8% and lending-rate ceilings of 13-16%, while the kyat has lost roughly two-thirds of its value against the US dollar on parallel markets. International sanctions and the FATF grey-listing have severed most correspondent banking, restricting FX mortgages and making long-term housing finance scarce. Most mortgages are short-tenor (10-15 years) MMK-denominated loans to salaried borrowers in Yangon or Mandalay.

Why 14% is the typical rate

14% sits near the CBM's lending ceiling and reflects what KBZ or AYA Bank would charge a salaried Yangon borrower at 60-65% LTV in early 2026, with banks rationing volume due to MMK liquidity and sanctions friction.

Tax & regulatory notes

Myanmar applies stamp duty of 2% on property transfers plus 0.5% registration fee under the Stamp Act. Capital gains on property are taxed at 10% for residents and 40% for non-residents. The Condominium Law of 2016 allows foreigners to own up to 40% of units in a registered condominium building above the sixth floor, but freehold land ownership by foreigners remains prohibited. CHID Bank operates the government's low-cost housing program in Yangon's Dagon Seikkan and Hlaingthaya townships at subsidised rates around 8-9%, though waitlists are years long.