Sudan 💰 SDG Last updated2026-05-28

تمويل عقاري Calculator Sudan

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Quick answer (Sudan)

A Murabaha financing of 25,000,000 SDG at 32% profit rate over 10 years works out to a monthly payment of about ‏٦٩٦٬٢٦٣ ج.س., with total interest of ‏٥٨٬٥٥١٬٥٦٠ ج.س. over the full term.

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Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$737,930

PITI

Principal + Interest

$696,263

70% goes to interest

Total Interest

$58,551,560

over 10 years

Monthly Breakdown

Principal & Interest$696,263

Property Tax (1.1%/yr)$28,646

Homeowner's Insurance (0.5%/yr)$13,021

Total Monthly$737,930

Principal vs Interest Split

30% principal

70% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

تمويل عقاريs in Sudan

Typical loan

‏٢٥٬٠٠٠٬٠٠٠ ج.س.

in Sudan

Typical rate

32% p.a.

prime borrower, 2026

Typical term

10 years

most common

Market overview

Sudan's mortgage market has been severely disrupted by the April 2023 RSF-SAF conflict, with most banks operating at limited capacity. The Central Bank of Sudan (CBoS) supervises a fully Islamic banking system led by Bank of Khartoum (BoK), Faisal Islamic Bank, Omdurman National Bank and Saudi-Sudanese Bank. All financing uses Murabaha, Ijara or Musharaka sharia structures; conventional interest is prohibited under the 1983 Sharia laws.

Why 32% is the typical rate

Effective profit rates of 28-38% on Murabaha contracts reflect inflation exceeding 100% in 2024, severe SDG depreciation in parallel markets, and CBoS Murabaha Margin Guidance which moves with inflation expectations rather than a conventional policy rate.

Tax & regulatory notes

Registration fees under the Lands and Surveys Act and Land Settlement and Registration Ordinance run 3% of declared value. The Regulation of Banking Business Act 2003 mandates fully Islamic finance. Property markets have been disrupted by mass displacement since the April 2023 conflict; parallel-market USD pricing dominates Khartoum and Port Sudan transactions.

🧮 Worked example

A Murabaha financing of 25,000,000 SDG at 32% profit rate over 10 years

Loan amount

‏٢٥٬٠٠٠٬٠٠٠ ج.س.

Annual interest rate

32%

Term

10 years (120 months)

Monthly payment

‏٦٩٦٬٢٦٣ ج.س.

Total interest paid

‏٥٨٬٥٥١٬٥٦٠ ج.س.

Total paid (principal + interest)

‏٨٣٬٥٥١٬٥٦٠ ج.س.

❓ FAQ (Sudan)

Common questions in Sudan.

How does Islamic home finance work in Sudan?

All Sudanese banks operate fully Islamic finance under the 1983 sharia laws. Bank of Khartoum, Faisal Islamic Bank and Omdurman National Bank offer Murabaha (cost-plus sale), Ijara (lease-to-own) and Musharaka Mutanaqisa (diminishing partnership) for home financing instead of interest-based loans.

Has the 2023 conflict affected Sudanese mortgages?

Yes severely. Most banks operated at reduced capacity since the April 2023 RSF-SAF war, with Khartoum-based head offices damaged or evacuated. New mortgage origination has effectively halted, and the property market is dominated by displaced-asset sales in parallel-market USD.

What currency are Sudanese property transactions priced in?

Officially SDG, but in practice high-value transactions in Khartoum, Port Sudan and Wad Madani are increasingly priced in parallel-market USD due to triple-digit inflation and SDG depreciation. Formal mortgage contracts remain in SDG.

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