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An immediate loan formula for any real estate project use their own occupation.
An immediate loan formula for any real estate project use their own occupation.

Product Characteristics :

Conditions for eligibility :

  • Land purchase with a cost/ m² is ≤ FCFA 10 000 with a maximum of  300 m², without charges.
  • Building houses with a cost of building/m² is  ≤ FCFA 100 000 ;
  •  Acquiring houses with a purchase price/m² is ≤ FCFA 200 000.

Purpose :

  • Main housing
  • Secondary or retirement house

Eligible persons :

Salaried individuals

Duration :

25 to 300 months depending on the borrowing power

Interest rate :

4,193% HT, or 5% TTC

Grace period :

From 1 to18 months.

Minimum deposit :

10% of project cost depending on the borrower power.

Amount :

Up to 30 000 000 CFAF depending on the borrower power.

Means of re-imbursement :

  • Payment Order from the bank
  • Payment Order from the employee

Opérations éligibles :

  • Land purchase
  • Land purchase + Construction
  • Construction of accommodation
  • Acquisition of accommodation
  • Acquisition of accommodation +completion works
  • Upgrading and finishing of accommodation
  • Mortgage refinancing loan
  • Mortgage refinancing loan + completion works

Garanties :

  • First mortgage
  • Life and Incapacity insurance
  • Fire insurance
  • In case of amelioration of a home for an amount less than 8 000 000 FCFA and for a maximum duration of 3 years CFC requires a land certificate free of mortgage, but a guarantee from a notary authority

Additional Documents :

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Le Crédit Foncier du Cameroun (CFC) est un etablissement public à caractère commercial. Il est doté d’une personnalité juridique et de l’autonomie financière.

Il a pour objet social d’apporter son concours financier à la réalisation de tout projet destiné à promouvoir l’habitat.

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