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Down payment — 20 % (5,000,000 FCFA)
Annual interest rate — 8 %
Term — 20 yrs
Estimated monthly payment
167,288 FCFA
Loan amount
20,000,000 FCFA
Total interest
20,149,123 FCFA
Total cost of credit
40,149,123 FCFA
Indicative estimate with fixed monthly payments, excluding insurance and fees. Not a loan offer.
The calculator uses the formula for a loan with equal monthly payments, the most common kind of mortgage. It starts from the property price, subtracts your down payment to get the amount borrowed, then spreads the repayment of capital and interest over the chosen term: you pay the same amount every month, and the interest share falls over time.
The rate shown when the page opens (8%) is only a starting value, not a market rate. Replace it with the rate your bank quotes: a few tenths of a point change the total cost noticeably over 15 or 20 years.
Each bank sets its own list of documents. Expect to provide at least an identity document, recent proof of income, bank statements and the property documents (sale agreement, title deed, or reservation contract for an off-plan purchase). If you are buying from abroad, ask the bank whether it lends to non-residents and in which currency.