Realisation of a building project destined either for personnal home or to put on rent after a saving period.
Realisation of a building project destined either for personnal home or to put on rent after a saving period.
Product Characteristics :
Conditions for eligibility:
Existence of a housing savings account that has got to maturity.
Purpose :
- Main housing
- Secondary or retirement home
- A rental house
Eligible persons :
Physical persons
Duration :
from 25 to 360 months depending on the borrower power.
Interest rate :
According to the duration of the saving
- 5 ≤ saving ≤ 10 = 3,774% HT, or 4,5 % TTC
- 10 ≤ saving ≤ 20 = 3,354% HT, or 4% TTC
- Saving ≥ 20 = 3,145%HT, or 3,75% TTC
Grace period :
From 1 to 18 months.
Minimum deposit :
10% of the project cost depending on the borrower power.
Maximum amount :
- 03 times your saving capacity;
- 150 millions FCFA.
Means of re-imbursment :
- Payment Order from the bank
- Payment Order from the employee
Opérations éligibles :
- Land purchase
- Land purchase + Construction
- Construction of accommodation
- Acquiring of accommodation
- Acquiring of accommodation +completion works
- Upgrading and finishing of accommodation
Guarantee :
- First motgage
- Life and Incapacity insurance
- Fire insurance
Additional Documents :