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Niger 💰 XOF Last updated2026-05-28 Prêt immobilier Calculator
Niger
A mortgage of 20,000,000 XOF at 9.5% over 15 years works out to a monthly payment of about 208 845 F CFA, with total interest of 17 592 089 F CFA over the full term.
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Local context Prêt immobiliers in Niger
Market overview
Niger's mortgage market is led by Bank of Africa Niger (BOA Niger), SONIBANK, and Ecobank Niger, supervised by the BCEAO within the WAEMU monetary union. The uranium-export economy is dominated by Orano operations, and the July 2023 military transition triggered ECOWAS and WAEMU sanctions that were partly lifted in 2024 but left a lingering sovereign-risk premium. The Banque de l'Habitat du Niger (BHN) and Crédit du Niger remain the primary social-housing lenders, while commercial bank mortgage penetration stays below 2% of GDP.
Why 9.5% is the typical rate
A rate near 9.5% reflects the BCEAO main rate around 3.5%, the post-2023 country-risk spread, and high bank operating costs in a thin secondary market.
Tax & regulatory notes
Property transfers carry a 7% registration duty plus 1% land conservation fee at the Direction Générale des Impôts, with mortgages inscribed at the Conservation Foncière. The BCEAO Loi Uniforme on consumer credit mandates TEG disclosure and a 14-day reflection period, while Decree 2017-682 governs urban land titling. Sharia-compliant murabaha and ijara products are offered by Banque Islamique du Niger as an alternative to interest-bearing mortgages.
A mortgage of 20,000,000 XOF at 9.5% over 15 years
20 000 000 F CFA 9.5% 15 years (180 months) 208 845 F CFA 17 592 089 F CFA 37 592 089 F CFA 
